Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19873990
Experian Credit Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 19873990
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: Louisiana
ZIP Code: 71417
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-02-28T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrectly reported information, especially when it belongs to another individual, can significantly impact a consumer's creditworthiness and ability to obtain credit.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity confusion
AI Analysis
CFPB complaint 19873990 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 reported incorrect information on their Experian credit report, stating that information belonging to someone else was included, and the complaint is currently in progress. The complaint was received on February 28, 2026 from Louisiana. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should dispute any inaccurate information on their credit reports directly with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information.
Regulatory Insight
Credit reporting agencies have a responsibility to maintain accurate records and must have procedures in place to prevent and correct such errors.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in Louisiana.
Industry Comparison
This issue is common among credit reporting agencies, as maintaining accurate and distinct consumer data is a significant operational challenge.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19873990 about?
CFPB complaint 19873990 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 February 28, 2026.
Which company is complaint 19873990 filed against?
Complaint 19873990 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 19873990?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19873990 filed?
Complaint 19873990 was received by the CFPB on February 28, 2026. It was sent to Experian Information Solutions Inc. on February 28, 2026.
What state was complaint 19873990 filed from?
Complaint 19873990 was filed from Louisiana. You can view all complaints from this state at /state/LA.
Was the consumer satisfied with the resolution of complaint 19873990?
Dispute information is not available for complaint 19873990.
What product category is complaint 19873990 about?
Complaint 19873990 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 19873990 submitted?
Complaint 19873990 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 19873990?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct 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 19873990 to be resolved?
Resolution likelihood: mixed. 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 19873990?
This complaint is rated as medium risk. Incorrectly reported information, especially when it belongs to another individual, can significantly impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 19873990?
Credit reporting agencies have a responsibility to maintain accurate records and must have procedures in place to prevent and correct such errors. 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 19873990?
Consumers should dispute any inaccurate information on their credit reports directly with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 19873990?
The complaint was filed in Louisiana. This complaint was filed from Louisiana.
How does complaint 19873990 compare to industry norms?
This issue is common among credit reporting agencies, as maintaining accurate and distinct consumer data is a significant operational challenge.
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 bureau (Experian in this case) and provide any supporting documentation. They should also contact the original creditor or entity that reported the information to correct it.
What is the typical timeframe for a credit reporting agency to resolve a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information during that 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.