Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18421633
Incorrect Identity Information on Credit Report Resolved
Complaint Overview
Complaint ID: 18421633
Company: Selene Holdings LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: California
ZIP Code: 91505
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-02-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue was addressed and closed with an explanation, suggesting a resolution was provided to the consumer.
Consumer Sentiment: neutral
Topics: Credit Reporting, Identity Theft, Consumer Protection
AI Analysis
CFPB complaint 18421633 was filed against Selene Holdings LLC regarding Credit reporting or other personal consumer reports (Other personal consumer report), specifically about "Incorrect information on your report". A consumer reported incorrect information on their credit report, specifically that information belonging to someone else was included, which was handled by Selene Holdings LLC in California and closed with an explanation. 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 incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information.
Regulatory Insight
This case highlights the importance of credit bureaus and furnishers maintaining accurate consumer data to prevent identity mix-ups.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint was filed in California, a state with strong consumer protection laws.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer distress.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18421633 about?
CFPB complaint 18421633 involves Credit reporting or other personal consumer reports (Other personal consumer report). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against Selene Holdings LLC on December 31, 2025.
Which company is complaint 18421633 filed against?
Complaint 18421633 was filed against Selene Holdings LLC. You can view all complaints against this company on their profile page at /company/selene-holdings-llc.
What was the company's response to complaint 18421633?
Selene Holdings LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18421633 filed?
Complaint 18421633 was received by the CFPB on December 31, 2025. It was sent to Selene Holdings LLC on February 17, 2026.
What state was complaint 18421633 filed from?
Complaint 18421633 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 18421633?
Dispute information is not available for complaint 18421633.
What product category is complaint 18421633 about?
Complaint 18421633 is categorized under "Credit reporting or other personal consumer reports", specifically "Other personal consumer report". This is one of the product categories tracked by the CFPB.
How was complaint 18421633 submitted?
Complaint 18421633 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 18421633?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information. This relates to a Credit reporting or other personal consumer reports complaint against Selene Holdings LLC involving "Incorrect information on your report".
How likely is complaint 18421633 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 18421633?
This complaint is rated as low risk. The risk is low as the issue was addressed and closed with an explanation, suggesting a resolution was provided to the consumer.
What regulatory actions apply to complaint 18421633?
This case highlights the importance of credit bureaus and furnishers maintaining accurate consumer data 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 18421633?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 18421633?
The complaint was filed in California, a state with strong consumer protection laws. This complaint was filed from California.
How does complaint 18421633 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer distress.
What steps should 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 and the furnisher of the information, providing evidence to support their claim.
What does 'Closed with explanation' typically mean in the context of a CFPB complaint?
It generally means the company provided a response or resolution to the consumer, and the CFPB found the explanation satisfactory, though it doesn't necessarily mean the consumer agreed with the outcome.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.