Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18398313
GM Financial Credit Report Mixed Up with Another Consumer's Identity
Complaint Overview
Complaint ID: 18398313
Company: General Motors Financial Company, 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: California
ZIP Code: 92618
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-01-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, and the issue involves identity confusion.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information, Identity Confusion
AI Analysis
CFPB complaint 18398313 was filed against General Motors Financial Company, 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 that of another individual, appeared on their credit report from General Motors Financial Company, Inc. The complaint was received on December 31, 2025 from California. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors immediately with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer reports and to investigate disputes.
Regulatory Insight
This case highlights the importance of robust identity verification processes by financial institutions and credit bureaus to prevent the commingling of consumer data.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In California, consumers have rights under state law in addition to federal protections regarding credit reporting accuracy.
Industry Comparison
This issue is common in the credit reporting industry, where errors can arise from data processing, identity theft, or system glitches.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398313 about?
CFPB complaint 18398313 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 General Motors Financial Company, Inc. on December 31, 2025.
Which company is complaint 18398313 filed against?
Complaint 18398313 was filed against General Motors Financial Company, Inc.. You can view all complaints against this company on their profile page at /company/general-motors-financial-company-inc.
What was the company's response to complaint 18398313?
General Motors Financial Company, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18398313 filed?
Complaint 18398313 was received by the CFPB on December 31, 2025. It was sent to General Motors Financial Company, Inc. on January 1, 2026.
What state was complaint 18398313 filed from?
Complaint 18398313 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 18398313?
Dispute information is not available for complaint 18398313.
What product category is complaint 18398313 about?
Complaint 18398313 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 18398313 submitted?
Complaint 18398313 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 18398313?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer reports and to investigate disputes. This relates to a Credit reporting or other personal consumer reports complaint against General Motors Financial Company, Inc. involving "Incorrect information on your report".
How likely is complaint 18398313 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 18398313?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, and the issue involves identity confusion.
What regulatory actions apply to complaint 18398313?
This case highlights the importance of robust identity verification processes by financial institutions and credit bureaus to prevent the commingling of consumer data. 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 18398313?
Consumers should regularly review their credit reports for accuracy and dispute any errors immediately with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 18398313?
In California, consumers have rights under state law in addition to federal protections regarding credit reporting accuracy. This complaint was filed from California.
How does complaint 18398313 compare to industry norms?
This issue is common in the credit reporting industry, where errors can arise from data processing, identity theft, or system glitches.
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 both the credit reporting agency (e.g., Equifax, Experian, TransUnion) and the company that provided the information to the agency (in this case, General Motors Financial Company, Inc.).
How can General Motors Financial Company, Inc. prevent such errors in the future?
GM Financial can implement stricter data validation and verification protocols, conduct regular audits of their reporting processes, and invest in technology to better distinguish between consumer accounts.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.