Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15634808

Experian Report Contains Someone Else's Information

Complaint Overview

Complaint ID: 15634808

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: Florida

ZIP Code: 32534

Date Received: 2025-08-31T12:00:00-05:00

Date Sent to Company: 2025-08-31T12:00:00-05:00

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: negative

Topics: Credit reporting, Incorrect information, Identity issues

AI Analysis

CFPB complaint 15634808 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 Florida consumer reported that incorrect information, specifically data belonging to someone else, appeared on their Experian credit report. The complaint was received on August 31, 2025 from Florida. 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 report.

Regulatory Insight

Credit bureaus have a responsibility to investigate disputes and correct errors, especially when information is attributed to the wrong individual.

Resolution Likelihood

likely

State-Specific Consumer Protections

In Florida, consumers have rights under state law to dispute credit report errors, in addition to federal protections.

Industry Comparison

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

Related Issues

Frequently Asked Questions

What is CFPB complaint 15634808 about?

CFPB complaint 15634808 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 August 31, 2025.

Which company is complaint 15634808 filed against?

Complaint 15634808 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 15634808?

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

When was complaint 15634808 filed?

Complaint 15634808 was received by the CFPB on August 31, 2025. It was sent to Experian Information Solutions Inc. on August 31, 2025.

What state was complaint 15634808 filed from?

Complaint 15634808 was filed from Florida. You can view all complaints from this state at /state/FL.

Was the consumer satisfied with the resolution of complaint 15634808?

Dispute information is not available for complaint 15634808.

What product category is complaint 15634808 about?

Complaint 15634808 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 15634808 submitted?

Complaint 15634808 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 15634808?

The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they collect and report. 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 15634808 to be resolved?

Resolution likelihood: likely. 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 15634808?

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 15634808?

Credit bureaus have a responsibility to investigate disputes and correct errors, especially when information is attributed to the wrong individual. 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 15634808?

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

Are there state-specific protections for complaint 15634808?

In Florida, consumers have rights under state law to dispute credit report errors, in addition to federal protections. This complaint was filed from Florida.

How does complaint 15634808 compare to industry norms?

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

What steps should a consumer take if they discover someone else's information on their credit report?

Immediately dispute the information with the credit bureau (Experian in this case) and provide any supporting documentation. Also, consider filing a complaint with the CFPB.

How long does a credit bureau typically have to investigate a dispute?

Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information during that period.

Disclaimer

This analysis is AI-generated and does not constitute legal advice.

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