Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16283131
Experian Credit Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 16283131
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: South Carolina
ZIP Code: 29479
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
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 16283131 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, specifically data belonging to someone else, appeared on their Experian credit report. The complaint was received on September 30, 2025 from South Carolina. 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, including instances where information from one consumer is mistakenly attributed to another.
Resolution Likelihood
likely
State-Specific Consumer Protections
In South Carolina, consumers have the right to access their credit reports and dispute errors under state and federal law.
Industry Comparison
Mistakes in credit reporting, such as mixed files, are a common issue across the credit reporting industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283131 about?
CFPB complaint 16283131 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 September 30, 2025.
Which company is complaint 16283131 filed against?
Complaint 16283131 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 16283131?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16283131 filed?
Complaint 16283131 was received by the CFPB on September 30, 2025. It was sent to Experian Information Solutions Inc. on September 30, 2025.
What state was complaint 16283131 filed from?
Complaint 16283131 was filed from South Carolina. You can view all complaints from this state at /state/SC.
Was the consumer satisfied with the resolution of complaint 16283131?
Dispute information is not available for complaint 16283131.
What product category is complaint 16283131 about?
Complaint 16283131 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 16283131 submitted?
Complaint 16283131 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 16283131?
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 16283131 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 16283131?
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 16283131?
Credit bureaus have a responsibility to investigate disputes and correct errors, including instances where information from one consumer is mistakenly attributed to another. 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 16283131?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 16283131?
In South Carolina, consumers have the right to access their credit reports and dispute errors under state and federal law. This complaint was filed from South Carolina.
How does complaint 16283131 compare to industry norms?
Mistakes in credit reporting, such as mixed files, are a common issue across the credit reporting 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 disputing it with the original creditor if known.
How long does a credit reporting agency typically have to investigate and resolve a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information during that 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.