Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18398347
Experian Accused of Reporting Incorrect Personal Information
Complaint Overview
Complaint ID: 18398347
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 Jersey
ZIP Code: 08360
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 significantly impact a consumer's financial opportunities and lead to disputes.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information, Identity Mix-up
AI Analysis
CFPB complaint 18398347 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 Jersey consumer reported that Experian incorrectly reported information belonging to someone else on their credit report. The complaint was received on December 31, 2025 from New Jersey. 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 importance of robust data verification processes by credit bureaus to prevent identity mix-ups.
Resolution Likelihood
likely
State-Specific Consumer Protections
In New Jersey, consumers have rights under state and federal laws to ensure the accuracy of their credit information.
Industry Comparison
Credit reporting agencies face ongoing scrutiny for data accuracy issues, with incorrect information being a common complaint.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398347 about?
CFPB complaint 18398347 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 December 31, 2025.
Which company is complaint 18398347 filed against?
Complaint 18398347 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 18398347?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18398347 filed?
Complaint 18398347 was received by the CFPB on December 31, 2025. It was sent to Experian Information Solutions Inc. on January 1, 2026.
What state was complaint 18398347 filed from?
Complaint 18398347 was filed from New Jersey. You can view all complaints from this state at /state/NJ.
Was the consumer satisfied with the resolution of complaint 18398347?
Dispute information is not available for complaint 18398347.
What product category is complaint 18398347 about?
Complaint 18398347 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 18398347 submitted?
Complaint 18398347 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 18398347?
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 18398347 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 18398347?
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 opportunities and lead to disputes.
What regulatory actions apply to complaint 18398347?
This case highlights the importance of robust data verification processes by credit bureaus to prevent identity mix-ups. 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 18398347?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 18398347?
In New Jersey, consumers have rights under state and federal laws to ensure the accuracy of their credit information. This complaint was filed from New Jersey.
How does complaint 18398347 compare to industry norms?
Credit reporting agencies face ongoing scrutiny for data accuracy issues, with incorrect information being a common complaint.
What steps should a consumer take if they discover someone else's information on their credit report?
Immediately dispute the information with the credit reporting agency and the furnisher of the information, providing evidence of the error.
What is the typical timeframe for a credit reporting agency to investigate a dispute?
Under the FCRA, agencies generally have 30 days (or 45 days if the consumer provides additional information during the 30-day period) to investigate and respond to a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.