Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161351
Experian Accused of Reporting Incorrect Identity Information
Complaint Overview
Complaint ID: 19161351
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: Georgia
ZIP Code: 30318
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 significantly impact a consumer's ability to obtain credit, and if the information truly belongs to someone else, it indicates a potential data security or processing error.
Consumer Sentiment: negative
Topics: Credit Reporting, Identity Theft, FCRA Violations
AI Analysis
CFPB complaint 19161351 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 Georgia consumer is disputing incorrect information on their Experian credit report, alleging that the information belongs to someone else. The complaint was received on January 31, 2026 from Georgia. 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 ensure the accuracy of the information they collect and report.
Regulatory Insight
This case highlights the FCRA's mandate for accuracy and the potential for significant consumer harm when identity information is misattributed on credit reports.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Georgia, as elsewhere, consumers have rights under the FCRA to dispute inaccurate credit reporting.
Industry Comparison
Experian, like other major credit bureaus, faces ongoing scrutiny regarding the accuracy and security of consumer credit data.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161351 about?
CFPB complaint 19161351 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 19161351 filed against?
Complaint 19161351 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 19161351?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19161351 filed?
Complaint 19161351 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 19161351 filed from?
Complaint 19161351 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 19161351?
Dispute information is not available for complaint 19161351.
What product category is complaint 19161351 about?
Complaint 19161351 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 19161351 submitted?
Complaint 19161351 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 19161351?
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 19161351 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 19161351?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can significantly impact a consumer's ability to obtain credit, and if the information truly belongs to someone else, it indicates a potential data security or processing error.
What regulatory actions apply to complaint 19161351?
This case highlights the FCRA's mandate for accuracy and the potential for significant consumer harm when identity information is misattributed on credit reports. 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 19161351?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 19161351?
In Georgia, as elsewhere, consumers have rights under the FCRA to dispute inaccurate credit reporting. This complaint was filed from Georgia.
How does complaint 19161351 compare to industry norms?
Experian, like other major credit bureaus, faces ongoing scrutiny regarding the accuracy and security of consumer credit data.
What steps should a consumer take if they discover information belonging to another person on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing evidence that the information belongs to someone else. They should also consider filing a complaint with the CFPB and potentially contacting the original creditor.
What is Experian's responsibility in verifying the identity of individuals whose information they report?
Experian has a responsibility under the FCRA to maintain reasonable procedures to ensure the accuracy of credit information. This includes having processes to prevent the commingling of consumer files and to investigate disputes effectively.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.