Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20852809
Credit Report Mixed Up with Another Individual's Information
Complaint Overview
Complaint ID: 20852809
Company: Consumer Portfolio Services, 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 York
ZIP Code: 11225
Date Received: 2026-04-01T12:00:00-05:00
Date Sent to Company: 2026-04-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit, potentially leading to financial harm.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity mix-up
AI Analysis
CFPB complaint 20852809 was filed against Consumer Portfolio Services, Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A New York consumer reported incorrect information on their credit report, stating that information belonging to someone else was present, and the complaint was closed with an explanation. The complaint was received on April 1, 2026 from New York. 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 inaccuracies immediately with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers of information investigate disputes and correct any errors.
Regulatory Insight
This case highlights the importance of robust data verification processes by credit furnishers and credit bureaus to prevent identity mix-ups.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In New York, consumers have rights under state law in addition to federal protections regarding credit reporting accuracy.
Industry Comparison
This issue is common across the credit reporting industry, with identity mix-ups being a recurring problem that requires diligent attention from all parties.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20852809 about?
CFPB complaint 20852809 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 Consumer Portfolio Services, Inc. on April 1, 2026.
Which company is complaint 20852809 filed against?
Complaint 20852809 was filed against Consumer Portfolio Services, Inc.. You can view all complaints against this company on their profile page at /company/consumer-portfolio-services-inc.
What was the company's response to complaint 20852809?
Consumer Portfolio Services, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20852809 filed?
Complaint 20852809 was received by the CFPB on April 1, 2026. It was sent to Consumer Portfolio Services, Inc. on April 1, 2026.
What state was complaint 20852809 filed from?
Complaint 20852809 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 20852809?
Dispute information is not available for complaint 20852809.
What product category is complaint 20852809 about?
Complaint 20852809 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 20852809 submitted?
Complaint 20852809 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 20852809?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers of information investigate disputes and correct any errors. This relates to a Credit reporting or other personal consumer reports complaint against Consumer Portfolio Services, Inc. involving "Incorrect information on your report".
How likely is complaint 20852809 to be resolved?
Resolution likelihood: mixed. 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 20852809?
This complaint is rated as medium risk. The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit, potentially leading to financial harm.
What regulatory actions apply to complaint 20852809?
This case highlights the importance of robust data verification processes by credit furnishers and credit bureaus to prevent identity mix-ups. 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 20852809?
Consumers should regularly review their credit reports for accuracy and dispute any inaccuracies immediately with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 20852809?
In New York, consumers have rights under state law in addition to federal protections regarding credit reporting accuracy. This complaint was filed from New York.
How does complaint 20852809 compare to industry norms?
This issue is common across the credit reporting industry, with identity mix-ups being a recurring problem that requires diligent attention from all parties.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should file a dispute with the credit bureau and the company that provided the information, clearly stating the error and providing supporting documentation. They should also keep records of all communication.
How long does a credit bureau typically have to investigate a dispute?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, or 45 days if the dispute is filed close to the end of the 30-day period. This can be extended if the consumer provides additional relevant information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.