Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19874189
Experian Accused of Reporting Incorrect Personal Information
Complaint Overview
Complaint ID: 19874189
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: New Jersey
ZIP Code: 07042
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 dispute involves a major credit bureau.
Consumer Sentiment: neutral
Topics: Credit Reporting, Incorrect Information, Identity Dispute
AI Analysis
CFPB complaint 19874189 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 New Jersey consumer 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 New Jersey. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding the accuracy of information on a consumer's report.
Regulatory Insight
Credit bureaus have a responsibility to ensure the accuracy of the information they report and to investigate consumer disputes in a timely manner.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This case is being handled in New Jersey, and state-specific consumer protection laws may also apply.
Industry Comparison
Experian, as one of the three major credit bureaus, faces frequent disputes regarding the accuracy of consumer credit information.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874189 about?
CFPB complaint 19874189 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 19874189 filed against?
Complaint 19874189 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 19874189?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19874189 filed?
Complaint 19874189 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 19874189 filed from?
Complaint 19874189 was filed from New Jersey. You can view all complaints from this state at /state/NJ.
Was the consumer satisfied with the resolution of complaint 19874189?
Dispute information is not available for complaint 19874189.
What product category is complaint 19874189 about?
Complaint 19874189 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 19874189 submitted?
Complaint 19874189 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 19874189?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding the accuracy of information on a consumer's 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 19874189 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 19874189?
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 dispute involves a major credit bureau.
What regulatory actions apply to complaint 19874189?
Credit bureaus have a responsibility to ensure the accuracy of the information they report and to investigate consumer disputes in a timely manner. 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 19874189?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Are there state-specific protections for complaint 19874189?
This case is being handled in New Jersey, and state-specific consumer protection laws may also apply. This complaint was filed from New Jersey.
How does complaint 19874189 compare to industry norms?
Experian, as one of the three major credit bureaus, faces frequent disputes regarding the accuracy of consumer credit information.
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, providing evidence that the information is not theirs. They should also consider filing a police report if identity theft is suspected.
What is the typical timeframe for a credit reporting agency to investigate 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 the 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.