Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15634874
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 15634874
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: North Carolina
ZIP Code: 27407
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
Incorrectly attributed information can negatively impact a consumer's credit score and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information
AI Analysis
CFPB complaint 15634874 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 North Carolina consumer reported that incorrect information, specifically that of another individual, appeared on their Experian credit report. The complaint was received on August 31, 2025 from North Carolina. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors immediately with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to ensure the accuracy of information in consumer reports.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes and correct inaccurate information promptly.
Resolution Likelihood
likely
State-Specific Consumer Protections
This issue occurred in North Carolina and was reported via the web.
Industry Comparison
Experian is one of the three major credit reporting agencies, and such errors can occur across the industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634874 about?
CFPB complaint 15634874 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 15634874 filed against?
Complaint 15634874 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 15634874?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15634874 filed?
Complaint 15634874 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 15634874 filed from?
Complaint 15634874 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 15634874?
Dispute information is not available for complaint 15634874.
What product category is complaint 15634874 about?
Complaint 15634874 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 15634874 submitted?
Complaint 15634874 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 15634874?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to ensure the accuracy of 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".
How likely is complaint 15634874 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 15634874?
This complaint is rated as medium risk. Incorrectly attributed information can negatively impact a consumer's credit score and ability to obtain credit.
What regulatory actions apply to complaint 15634874?
Credit bureaus have a responsibility to investigate disputes and correct inaccurate information 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 15634874?
Consumers should regularly review their credit reports for accuracy and dispute any errors immediately with the credit bureau.
Are there state-specific protections for complaint 15634874?
This issue occurred in North Carolina and was reported via the web. This complaint was filed from North Carolina.
How does complaint 15634874 compare to industry norms?
Experian is one of the three major credit reporting agencies, and such errors can occur across the industry.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (Experian in this case) and provide any supporting documentation. They should also consider placing a fraud alert on their credit file.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.