Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161231
Experian Accused of Reporting Incorrect Information Tied to Another Individual
Complaint Overview
Complaint ID: 19161231
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: 10456
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-01-31T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because incorrect credit reporting can lead to significant financial harm for consumers, including denial of credit or loans, and potential legal action against the credit bureau.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information, Identity Issues
AI Analysis
CFPB complaint 19161231 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 is disputing incorrect information on their Experian credit report, alleging the information belongs to someone else. The complaint was received on January 31, 2026 from New York. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any incorrect information on their credit reports with the credit bureau and the furnisher of the information, providing supporting documentation.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate credit information and must investigate consumer disputes promptly and thoroughly.
Resolution Likelihood
likely
State-Specific Consumer Protections
In New York, consumers have strong protections under state law regarding credit reporting accuracy, in addition to federal FCRA rights.
Industry Comparison
Experian, like other major credit bureaus, faces ongoing scrutiny and potential penalties for inaccuracies in consumer credit reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161231 about?
CFPB complaint 19161231 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 January 31, 2026.
Which company is complaint 19161231 filed against?
Complaint 19161231 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 19161231?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19161231 filed?
Complaint 19161231 was received by the CFPB on January 31, 2026. It was sent to Experian Information Solutions Inc. on January 31, 2026.
What state was complaint 19161231 filed from?
Complaint 19161231 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 19161231?
Dispute information is not available for complaint 19161231.
What product category is complaint 19161231 about?
Complaint 19161231 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 19161231 submitted?
Complaint 19161231 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 19161231?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports. 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 19161231 to be resolved?
Resolution likelihood: likely. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19161231?
This complaint is rated as medium risk. The risk is medium because incorrect credit reporting can lead to significant financial harm for consumers, including denial of credit or loans, and potential legal action against the credit bureau.
What regulatory actions apply to complaint 19161231?
Credit bureaus have a responsibility to maintain accurate credit information and must investigate consumer disputes promptly and thoroughly. 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 19161231?
Consumers should immediately dispute any incorrect information on their credit reports with the credit bureau and the furnisher of the information, providing supporting documentation.
Are there state-specific protections for complaint 19161231?
In New York, consumers have strong protections under state law regarding credit reporting accuracy, in addition to federal FCRA rights. This complaint was filed from New York.
How does complaint 19161231 compare to industry norms?
Experian, like other major credit bureaus, faces ongoing scrutiny and potential penalties for inaccuracies in consumer credit reports.
What steps should a consumer take if they suspect their credit report contains information belonging to another person?
The consumer should file a dispute with the credit reporting agency (Experian in this case) and the original creditor or furnisher of the information, clearly stating the discrepancy and providing any evidence of misidentification.
What is the typical timeframe for a credit reporting agency to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, with a possible extension to 45 days if the consumer provides additional relevant information within that initial period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.