Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15634833
Experian Report Contains Incorrect Identity Information
Complaint Overview
Complaint ID: 15634833
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: Mississippi
ZIP Code: 39046
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 15634833 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 that incorrect information belonging to someone else appeared on their Experian credit report. The complaint was received on August 31, 2025 from Mississippi. 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 promptly.
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 identity theft or mixed files are involved.
Resolution Likelihood
likely
State-Specific Consumer Protections
Mississippi consumers are protected by state laws that may offer additional rights regarding credit reporting beyond federal regulations.
Industry Comparison
This issue is common across credit reporting agencies, as errors in data aggregation and matching can lead to mixed files.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634833 about?
CFPB complaint 15634833 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 15634833 filed against?
Complaint 15634833 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 15634833?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15634833 filed?
Complaint 15634833 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 15634833 filed from?
Complaint 15634833 was filed from Mississippi. You can view all complaints from this state at /state/MS.
Was the consumer satisfied with the resolution of complaint 15634833?
Dispute information is not available for complaint 15634833.
What product category is complaint 15634833 about?
Complaint 15634833 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 15634833 submitted?
Complaint 15634833 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 15634833?
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 15634833 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 15634833?
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 15634833?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are involved. 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 15634833?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies promptly.
Are there state-specific protections for complaint 15634833?
Mississippi consumers are protected by state laws that may offer additional rights regarding credit reporting beyond federal regulations. This complaint was filed from Mississippi.
How does complaint 15634833 compare to industry norms?
This issue is common across credit reporting agencies, as errors in data aggregation and matching can lead to mixed files.
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 any supporting documentation. They should also notify the creditor that furnished the incorrect information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.