Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16961607
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 16961607
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: New York
ZIP Code: 11368
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-10-31T12:00:00-05:00
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, and can be time-consuming to resolve.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 16961607 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 New York consumer reported that incorrect information, specifically data belonging to someone else, appeared on their Experian credit report. The complaint was received on October 31, 2025 from New York. 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 maintain.
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
mixed
State-Specific Consumer Protections
New York has specific consumer protection laws that may offer additional recourse beyond federal regulations.
Industry Comparison
This issue is common across credit reporting agencies, highlighting a systemic challenge in data accuracy and consumer data privacy.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16961607 about?
CFPB complaint 16961607 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 October 31, 2025.
Which company is complaint 16961607 filed against?
Complaint 16961607 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 16961607?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16961607 filed?
Complaint 16961607 was received by the CFPB on October 31, 2025. It was sent to Experian Information Solutions Inc. on October 31, 2025.
What state was complaint 16961607 filed from?
Complaint 16961607 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 16961607?
Dispute information is not available for complaint 16961607.
What product category is complaint 16961607 about?
Complaint 16961607 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 16961607 submitted?
Complaint 16961607 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 16961607?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain. 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 16961607 to be resolved?
Resolution likelihood: mixed. 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 16961607?
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, and can be time-consuming to resolve.
What regulatory actions apply to complaint 16961607?
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 16961607?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 16961607?
New York has specific consumer protection laws that may offer additional recourse beyond federal regulations. This complaint was filed from New York.
How does complaint 16961607 compare to industry norms?
This issue is common across credit reporting agencies, highlighting a systemic challenge in data accuracy and consumer data privacy.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the incorrect 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 the typical timeframe for a credit reporting agency to investigate and resolve such a dispute?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, with a possible extension to 45 days if new information is provided by the consumer. They must correct or remove inaccurate information within this timeframe.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.