Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20812847
Incorrect Identity Information on Credit Report Resolved with Explanation
Complaint Overview
Complaint ID: 20812847
Company: Lj Ross Associates
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: Ohio
ZIP Code: 44135
Date Received: 2026-03-31T12:00:00-05:00
Date Sent to Company: 2026-03-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue was closed with an explanation, suggesting it was addressed and resolved by the credit reporting agency.
Consumer Sentiment: neutral
Topics: Credit Reporting, Incorrect Information, Identity Theft
AI Analysis
CFPB complaint 20812847 was filed against LJ Ross Associates regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect information on their credit report, stating that information belonging to someone else was listed, and the issue was closed with an explanation. The complaint was received on March 31, 2026 from Ohio. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes regarding inaccurate information on a consumer's report.
Regulatory Insight
Credit reporting agencies must ensure the accuracy of the information they report and have procedures in place to handle consumer disputes.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Ohio, and the resolution was provided by the credit reporting agency.
Industry Comparison
This is a common issue within the credit reporting industry, where errors or misidentification can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20812847 about?
CFPB complaint 20812847 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 LJ Ross Associates on March 31, 2026.
Which company is complaint 20812847 filed against?
Complaint 20812847 was filed against LJ Ross Associates. You can view all complaints against this company on their profile page at /company/lj-ross-associates.
What was the company's response to complaint 20812847?
LJ Ross Associates responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20812847 filed?
Complaint 20812847 was received by the CFPB on March 31, 2026. It was sent to LJ Ross Associates on March 31, 2026.
What state was complaint 20812847 filed from?
Complaint 20812847 was filed from Ohio. You can view all complaints from this state at /state/OH.
Was the consumer satisfied with the resolution of complaint 20812847?
Dispute information is not available for complaint 20812847.
What product category is complaint 20812847 about?
Complaint 20812847 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 20812847 submitted?
Complaint 20812847 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 20812847?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes regarding inaccurate information on a consumer's report. This relates to a Credit reporting or other personal consumer reports complaint against LJ Ross Associates involving "Incorrect information on your report".
How likely is complaint 20812847 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20812847?
This complaint is rated as low risk. The risk is low as the issue was closed with an explanation, suggesting it was addressed and resolved by the credit reporting agency.
What regulatory actions apply to complaint 20812847?
Credit reporting agencies must ensure the accuracy of the information they report and have procedures in place to handle consumer disputes. 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 20812847?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 20812847?
The complaint originated in Ohio, and the resolution was provided by the credit reporting agency. This complaint was filed from Ohio.
How does complaint 20812847 compare to industry norms?
This is a common issue within the credit reporting industry, where errors or misidentification can occur.
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 reporting agency and the furnisher of the information, providing evidence of the error.
What does 'Closed with explanation' typically mean in the context of a CFPB complaint?
It means the company responded to the complaint with an explanation of its actions or the resolution, and the CFPB found the response satisfactory.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.