Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13287537
Experian Credit Report Contains Incorrect Identity Information
Complaint Overview
Complaint ID: 13287537
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Pennsylvania
ZIP Code: 18109
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-04-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect information on a credit report, especially identity theft or mixed files, can significantly impact a consumer's financial standing and access to credit.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 13287537 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A Pennsylvania consumer reported incorrect information on their Experian credit report, stating that information belonging to someone else was present, and the issue was closed with an explanation. The complaint was received on April 30, 2025 from Pennsylvania. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes within a reasonable time, typically 30 days.
Regulatory Insight
Credit bureaus must have robust processes to prevent and correct mixed files or identity information errors to comply with FCRA.
Resolution Likelihood
mixed
State-Specific Consumer Protections
Pennsylvania residents are protected by state and federal laws regarding credit reporting accuracy.
Industry Comparison
Experian, like other major credit bureaus, faces ongoing scrutiny for data accuracy and consumer dispute resolution.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13287537 about?
CFPB complaint 13287537 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against Experian Information Solutions Inc. on April 30, 2025.
Which company is complaint 13287537 filed against?
Complaint 13287537 was filed against Experian Information Solutions Inc.. You can view all complaints against this company on their profile page at /company/experian-information-solutions-inc.
What was the company's response to complaint 13287537?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13287537 filed?
Complaint 13287537 was received by the CFPB on April 30, 2025. It was sent to Experian Information Solutions Inc. on April 30, 2025.
What state was complaint 13287537 filed from?
Complaint 13287537 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 13287537?
Dispute information is not available for complaint 13287537.
What product category is complaint 13287537 about?
Complaint 13287537 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 13287537 submitted?
Complaint 13287537 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13287537?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes within a reasonable time, typically 30 days. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Incorrect information on your report".
How likely is complaint 13287537 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13287537?
This complaint is rated as medium risk. Incorrect information on a credit report, especially identity theft or mixed files, can significantly impact a consumer's financial standing and access to credit.
What regulatory actions apply to complaint 13287537?
Credit bureaus must have robust processes to prevent and correct mixed files or identity information errors to comply with FCRA. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 13287537?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 13287537?
Pennsylvania residents are protected by state and federal laws regarding credit reporting accuracy. This complaint was filed from Pennsylvania.
How does complaint 13287537 compare to industry norms?
Experian, like other major credit bureaus, faces ongoing scrutiny for data accuracy and consumer dispute resolution.
What steps should a consumer take if they discover information belonging to another person on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing evidence of the error. They should also consider filing a complaint with the CFPB if the issue is not resolved.
What is the typical timeframe for a credit reporting agency to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a consumer's dispute, though this can be extended to 45 days under certain circumstances.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.