Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161253
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 19161253
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: Alaska
ZIP Code: 99635
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
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 information on a credit report can negatively impact a consumer's ability to obtain credit, and if the error is not corrected, it could lead to financial harm.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 19161253 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 consumer in Alaska 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 Alaska. The company responded with "In progress".
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 investigate disputes and correct any inaccurate information.
Regulatory Insight
Credit reporting agencies have a responsibility under the FCRA to ensure the accuracy of the information they report and to investigate consumer disputes promptly.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Alaska, consumers have the right to dispute inaccurate information on their credit reports under state and federal laws.
Industry Comparison
This issue is common across the credit reporting industry, as errors in data aggregation can lead to incorrect reporting.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161253 about?
CFPB complaint 19161253 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 19161253 filed against?
Complaint 19161253 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 19161253?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19161253 filed?
Complaint 19161253 was received by the CFPB on January 31, 2026. It was sent to Experian Information Solutions Inc. on February 1, 2026.
What state was complaint 19161253 filed from?
Complaint 19161253 was filed from Alaska. You can view all complaints from this state at /state/AK.
Was the consumer satisfied with the resolution of complaint 19161253?
Dispute information is not available for complaint 19161253.
What product category is complaint 19161253 about?
Complaint 19161253 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 19161253 submitted?
Complaint 19161253 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 19161253?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct any inaccurate information. 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 19161253 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 19161253?
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 if the error is not corrected, it could lead to financial harm.
What regulatory actions apply to complaint 19161253?
Credit reporting agencies have a responsibility under the FCRA to ensure the accuracy of the information they report and to investigate consumer disputes promptly. 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 19161253?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 19161253?
In Alaska, consumers have the right to dispute inaccurate information on their credit reports under state and federal laws. This complaint was filed from Alaska.
How does complaint 19161253 compare to industry norms?
This issue is common across the credit reporting industry, as errors in data aggregation can lead to incorrect reporting.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the information with the credit reporting agency (Experian in this case) and provide any supporting documentation. They should also consider contacting the original creditor if known.
How long does a credit reporting agency typically have 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 information within that initial 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.