Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15634922
Experian Report Contains Someone Else's Credit Information
Complaint Overview
Complaint ID: 15634922
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: 28054
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
The presence of another individual's credit information on a consumer's report can lead to significant financial harm, including denial of credit and identity theft concerns.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity mix-up
AI Analysis
CFPB complaint 15634922 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 credit information belonging to someone else, 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 immediately dispute any inaccurate information with the credit bureau and the furnisher of the information, providing evidence to support their claim.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate credit information and must have robust processes to prevent and correct identity mix-ups.
Resolution Likelihood
likely
State-Specific Consumer Protections
In North Carolina, consumers have rights under state law to dispute credit report errors, in addition to federal protections.
Industry Comparison
This issue is common in the credit reporting industry, where data errors or identity mix-ups can occur despite technological safeguards.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634922 about?
CFPB complaint 15634922 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 15634922 filed against?
Complaint 15634922 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 15634922?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15634922 filed?
Complaint 15634922 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 15634922 filed from?
Complaint 15634922 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 15634922?
Dispute information is not available for complaint 15634922.
What product category is complaint 15634922 about?
Complaint 15634922 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 15634922 submitted?
Complaint 15634922 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 15634922?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on 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 15634922 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 15634922?
This complaint is rated as medium risk. The presence of another individual's credit information on a consumer's report can lead to significant financial harm, including denial of credit and identity theft concerns.
What regulatory actions apply to complaint 15634922?
Credit bureaus have a responsibility to maintain accurate credit information and must have robust processes to prevent and correct identity mix-ups. 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 15634922?
Consumers should immediately dispute any inaccurate information with the credit bureau and the furnisher of the information, providing evidence to support their claim.
Are there state-specific protections for complaint 15634922?
In North Carolina, consumers have rights under state law to dispute credit report errors, in addition to federal protections. This complaint was filed from North Carolina.
How does complaint 15634922 compare to industry norms?
This issue is common in the credit reporting industry, where data errors or identity mix-ups can occur despite technological safeguards.
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 the original creditor that reported the information. They should provide documentation proving the information is not theirs.
What is the typical timeframe for a credit bureau 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 the 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.