Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14383661
Experian Accused of Reporting Incorrect Personal Information
Complaint Overview
Complaint ID: 14383661
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: New Hampshire
ZIP Code: 03060
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because incorrect information on a credit report can significantly impact a consumer's financial opportunities, and the company's failure to maintain accurate records poses a risk to consumers.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 14383661 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 New Hampshire consumer reported that Experian incorrectly reported information belonging to someone else on their credit report. The complaint was received on June 30, 2025 from New Hampshire. 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 they collect and disseminate.
Regulatory Insight
This case highlights the FCRA's mandate for accuracy and the potential penalties for credit bureaus that fail to maintain reasonably accurate consumer reports.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In New Hampshire, consumers have the right to dispute inaccurate information on their credit reports with both the credit bureau and the furnisher of the information.
Industry Comparison
Credit reporting agencies are expected to have robust systems to prevent the commingling of consumer data, and failures in this area are a common source of complaints.
Related Issues
Frequently Asked Questions
What is CFPB complaint 14383661 about?
CFPB complaint 14383661 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 June 30, 2025.
Which company is complaint 14383661 filed against?
Complaint 14383661 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 14383661?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 14383661 filed?
Complaint 14383661 was received by the CFPB on June 30, 2025. It was sent to Experian Information Solutions Inc. on June 30, 2025.
What state was complaint 14383661 filed from?
Complaint 14383661 was filed from New Hampshire. You can view all complaints from this state at /state/NH.
Was the consumer satisfied with the resolution of complaint 14383661?
Dispute information is not available for complaint 14383661.
What product category is complaint 14383661 about?
Complaint 14383661 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 14383661 submitted?
Complaint 14383661 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 14383661?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they collect and disseminate. 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 14383661 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 14383661?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can significantly impact a consumer's financial opportunities, and the company's failure to maintain accurate records poses a risk to consumers.
What regulatory actions apply to complaint 14383661?
This case highlights the FCRA's mandate for accuracy and the potential penalties for credit bureaus that fail to maintain reasonably accurate consumer reports. 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 14383661?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 14383661?
In New Hampshire, consumers have the right to dispute inaccurate information on their credit reports with both the credit bureau and the furnisher of the information. This complaint was filed from New Hampshire.
How does complaint 14383661 compare to industry norms?
Credit reporting agencies are expected to have robust systems to prevent the commingling of consumer data, and failures in this area are a common source of complaints.
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 (Experian in this case) and the original creditor or furnisher of the information, providing any supporting documentation.
What are the potential consequences for a credit bureau that repeatedly reports inaccurate information?
Credit bureaus can face regulatory action, fines, and lawsuits from consumers for violations of the Fair Credit Reporting Act, especially if the inaccuracies are significant or persistent.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.