Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19874038
Experian Accused of Reporting Incorrect Identity Information
Complaint Overview
Complaint ID: 19874038
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: Massachusetts
ZIP Code: 01844
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-01T12:00:00-05:00
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 financial opportunities, and the presence of another person's data raises serious privacy and accuracy concerns.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 19874038 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 Massachusetts consumer reported incorrect information on their Experian credit report, specifically that information belonging to someone else was included, and the complaint is currently in progress. The complaint was received on February 28, 2026 from Massachusetts. 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 maintain and to investigate disputes promptly.
Regulatory Insight
This case highlights the FCRA's mandate for accuracy and the potential for significant consumer harm when identity information is conflated between individuals.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Massachusetts, consumers have rights under state and federal law to ensure the accuracy of their credit reports.
Industry Comparison
This issue is common across the credit reporting industry, as errors in data aggregation and matching can lead to incorrect reporting.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874038 about?
CFPB complaint 19874038 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 19874038 filed against?
Complaint 19874038 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 19874038?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19874038 filed?
Complaint 19874038 was received by the CFPB on February 28, 2026. It was sent to Experian Information Solutions Inc. on March 1, 2026.
What state was complaint 19874038 filed from?
Complaint 19874038 was filed from Massachusetts. You can view all complaints from this state at /state/MA.
Was the consumer satisfied with the resolution of complaint 19874038?
Dispute information is not available for complaint 19874038.
What product category is complaint 19874038 about?
Complaint 19874038 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 19874038 submitted?
Complaint 19874038 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 19874038?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain and to investigate disputes promptly. 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 19874038 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 19874038?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can significantly impact a consumer's financial opportunities, and the presence of another person's data raises serious privacy and accuracy concerns.
What regulatory actions apply to complaint 19874038?
This case highlights the FCRA's mandate for accuracy and the potential for significant consumer harm when identity information is conflated between individuals. 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 19874038?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 19874038?
In Massachusetts, consumers have rights under state and federal law to ensure the accuracy of their credit reports. This complaint was filed from Massachusetts.
How does complaint 19874038 compare to industry norms?
This issue is common across the credit reporting industry, as errors in data aggregation and matching can lead to incorrect reporting.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (Experian in this case) and provide any supporting documentation. They should also consider filing a complaint with the CFPB and potentially the FTC if identity theft is suspected.
What is Experian's responsibility in this situation?
Experian is obligated under the FCRA to investigate the consumer's dispute and correct any inaccurate information. They must also maintain reasonable procedures to prevent such errors in the future.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.