Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19874004
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 19874004
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: Tennessee
ZIP Code: 38109
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
The presence of another individual's information on a credit report can lead to significant inaccuracies, potentially impacting credit scores and financial opportunities.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information, Identity Issues
AI Analysis
CFPB complaint 19874004 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 Tennessee is disputing incorrect information on their Experian credit report, claiming the information belongs to someone else. The complaint was received on February 28, 2026 from Tennessee. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for any inaccuracies and dispute them promptly with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes and correct any inaccurate information.
Regulatory Insight
Credit reporting agencies have a responsibility to maintain accurate records and must have processes in place to prevent the commingling of consumer data.
Resolution Likelihood
likely
State-Specific Consumer Protections
This issue is occurring in Tennessee, highlighting the need for vigilance by consumers nationwide.
Industry Comparison
Experian, as one of the major credit bureaus, is expected to have robust systems to prevent such errors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874004 about?
CFPB complaint 19874004 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 19874004 filed against?
Complaint 19874004 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 19874004?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19874004 filed?
Complaint 19874004 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 19874004 filed from?
Complaint 19874004 was filed from Tennessee. You can view all complaints from this state at /state/TN.
Was the consumer satisfied with the resolution of complaint 19874004?
Dispute information is not available for complaint 19874004.
What product category is complaint 19874004 about?
Complaint 19874004 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 19874004 submitted?
Complaint 19874004 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 19874004?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies 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 19874004 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 19874004?
This complaint is rated as medium risk. The presence of another individual's information on a credit report can lead to significant inaccuracies, potentially impacting credit scores and financial opportunities.
What regulatory actions apply to complaint 19874004?
Credit reporting agencies have a responsibility to maintain accurate records and must have processes in place to prevent the commingling of consumer data. 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 19874004?
Consumers should carefully review their credit reports for any inaccuracies and dispute them promptly with the credit reporting agency.
Are there state-specific protections for complaint 19874004?
This issue is occurring in Tennessee, highlighting the need for vigilance by consumers nationwide. This complaint was filed from Tennessee.
How does complaint 19874004 compare to industry norms?
Experian, as one of the major credit bureaus, is expected to have robust systems to prevent such errors.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the information with the credit bureau (Experian in this case) and provide any supporting documentation. They should also consider filing a complaint with the CFPB.
What is the typical timeframe for a credit bureau to investigate a dispute?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, with a possible extension to 45 days if additional information is provided by the consumer within that initial period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.