Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16999338
Experian Accused of Reporting Incorrect Identity Information
Complaint Overview
Complaint ID: 16999338
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: 11215
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-11-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The risk is medium because incorrect information on a credit report can significantly impact a consumer's financial life, and the issue of mixed files is a recurring problem in the credit reporting industry.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 16999338 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 Experian incorrectly reported information belonging to someone else on their 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 collect and report.
Regulatory Insight
This case highlights the FCRA's mandate for accuracy and the challenges credit bureaus face in preventing mixed files.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In New York, consumers have rights under state law in addition to federal protections regarding credit reporting.
Industry Comparison
Experian, like other major credit bureaus, faces ongoing scrutiny regarding data accuracy and the prevention of mixed files.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16999338 about?
CFPB complaint 16999338 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 16999338 filed against?
Complaint 16999338 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 16999338?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16999338 filed?
Complaint 16999338 was received by the CFPB on October 31, 2025. It was sent to Experian Information Solutions Inc. on November 3, 2025.
What state was complaint 16999338 filed from?
Complaint 16999338 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 16999338?
Dispute information is not available for complaint 16999338.
What product category is complaint 16999338 about?
Complaint 16999338 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 16999338 submitted?
Complaint 16999338 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 16999338?
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 16999338 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 16999338?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can significantly impact a consumer's financial life, and the issue of mixed files is a recurring problem in the credit reporting industry.
What regulatory actions apply to complaint 16999338?
This case highlights the FCRA's mandate for accuracy and the challenges credit bureaus face in preventing mixed files. 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 16999338?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 16999338?
In New York, consumers have rights under state law in addition to federal protections regarding credit reporting. This complaint was filed from New York.
How does complaint 16999338 compare to industry norms?
Experian, like other major credit bureaus, faces ongoing scrutiny regarding data accuracy and the prevention of mixed files.
What steps can a consumer take if they discover information belonging to someone else 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.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.