Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13832772
Experian Credit Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 13832772
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: Alabama
ZIP Code: 35217
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
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 can negatively impact a consumer's ability to obtain credit, housing, or employment.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 13832772 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 consumer reported incorrect information on their Experian credit report, stating that information belonging to someone else was present. The complaint was received on May 31, 2025 from Alabama. 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) requires credit reporting agencies to ensure the accuracy of the information in a consumer's file.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes and correct errors promptly.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This issue occurred in Alabama.
Industry Comparison
Disputes over incorrect information, including identity mix-ups, are common in the credit reporting industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13832772 about?
CFPB complaint 13832772 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 May 31, 2025.
Which company is complaint 13832772 filed against?
Complaint 13832772 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 13832772?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13832772 filed?
Complaint 13832772 was received by the CFPB on May 31, 2025. It was sent to Experian Information Solutions Inc. on May 31, 2025.
What state was complaint 13832772 filed from?
Complaint 13832772 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 13832772?
Dispute information is not available for complaint 13832772.
What product category is complaint 13832772 about?
Complaint 13832772 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 13832772 submitted?
Complaint 13832772 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 13832772?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in a consumer's file. 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 13832772 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 13832772?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 13832772?
Credit bureaus have a responsibility to investigate disputes and correct errors promptly. 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 13832772?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 13832772?
This issue occurred in Alabama. This complaint was filed from Alabama.
How does complaint 13832772 compare to industry norms?
Disputes over incorrect information, including identity mix-ups, are common in the credit reporting industry.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should file a dispute with the credit reporting agency (Experian in this case) and provide any supporting documentation. They should also consider filing a police report if identity theft is suspected.
What is Experian's obligation when presented with a dispute about inaccurate information?
Experian is required by the FCRA to investigate the dispute within a reasonable time, typically 30 days, and correct any inaccurate information found.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.