Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16283172
Experian Credit Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 16283172
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: 39208
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 theft
AI Analysis
CFPB complaint 16283172 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 September 30, 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 immediately.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer reports.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when information is clearly attributed to the wrong individual.
Resolution Likelihood
likely
State-Specific Consumer Protections
Mississippi consumers are protected by the FCRA, which governs credit reporting practices.
Industry Comparison
This issue is common across credit reporting agencies, highlighting the need for robust identity verification and data accuracy measures.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283172 about?
CFPB complaint 16283172 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 16283172 filed against?
Complaint 16283172 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 16283172?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16283172 filed?
Complaint 16283172 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 16283172 filed from?
Complaint 16283172 was filed from Mississippi. You can view all complaints from this state at /state/MS.
Was the consumer satisfied with the resolution of complaint 16283172?
Dispute information is not available for complaint 16283172.
What product category is complaint 16283172 about?
Complaint 16283172 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 16283172 submitted?
Complaint 16283172 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 16283172?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the 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 16283172 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 16283172?
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 16283172?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when information is clearly 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 16283172?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 16283172?
Mississippi consumers are protected by the FCRA, which governs credit reporting practices. This complaint was filed from Mississippi.
How does complaint 16283172 compare to industry norms?
This issue is common across credit reporting agencies, highlighting the need for robust identity verification and data accuracy measures.
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 filing a complaint with the CFPB.
What is Experian's responsibility when presented with a dispute about inaccurate information?
Experian is required by the FCRA to investigate the dispute and take appropriate action, which may include correcting or removing the inaccurate information if it is found to be erroneous or belongs to another individual.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.