Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13303566

CFPB complaint 13303566 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.

Complaint 13303566 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.

Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.

Complaint 13303566 was received by the CFPB on April 30, 2025. It was sent to Experian Information Solutions Inc. on April 30, 2025.

Complaint 13303566 was filed from Texas. You can view all complaints from this state at /state/TX.

Dispute information is not available for complaint 13303566.

Complaint 13303566 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 13303566 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer reports. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Incorrect information on your report".

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.

This complaint is rated as medium risk. Incorrectly reported information, especially when it belongs to another individual, can significantly impact a consumer's creditworthiness and access to financial products.

Credit bureaus have a responsibility to investigate disputes and correct errors, including instances of mixed files where one consumer's information is merged with another's. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.

In Texas, as in all states, consumers are protected by federal laws like the FCRA regarding credit reporting accuracy. This complaint was filed from Texas.

Experian, like other major credit bureaus, faces ongoing scrutiny for data accuracy and the handling of consumer disputes.

The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing evidence that the information belongs to another individual. They should also consider filing a complaint with the CFPB.

The credit bureau will investigate the dispute, which may involve reviewing account details and potentially contacting the original creditor. If a mixed file is confirmed, the bureau must correct the error and separate the files.