Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20878542
Incorrect Identity Information on Credit Report Resolved with Explanation
Complaint Overview
Complaint ID: 20878542
Company: Nra Group, LLC
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: Pennsylvania
ZIP Code: 19116
Date Received: 2026-04-02T12:00:00-05:00
Date Sent to Company: 2026-04-02T12:00:00-05:00
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 or furnisher.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 20878542 was filed against NRA Group, LLC regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported that incorrect information, specifically information belonging to someone else, appeared on their credit report, and the issue was closed with an explanation. The complaint was received on April 2, 2026 from Pennsylvania. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for any inaccuracies, especially information that does not belong to them, and dispute it promptly.
Legal Context & Consumer Protection Laws
This case falls under the Fair Credit Reporting Act (FCRA), which governs the accuracy and privacy of credit reporting information.
Regulatory Insight
The FCRA requires credit reporting agencies to investigate disputes and correct inaccurate information, and 'closed with explanation' indicates this process was followed.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Pennsylvania (PA).
Industry Comparison
This is a common issue in the credit reporting industry, where identity mix-ups can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20878542 about?
CFPB complaint 20878542 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 NRA Group, LLC on April 2, 2026.
Which company is complaint 20878542 filed against?
Complaint 20878542 was filed against NRA Group, LLC. You can view all complaints against this company on their profile page at /company/nra-group-llc.
What was the company's response to complaint 20878542?
NRA Group, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20878542 filed?
Complaint 20878542 was received by the CFPB on April 2, 2026. It was sent to NRA Group, LLC on April 2, 2026.
What state was complaint 20878542 filed from?
Complaint 20878542 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 20878542?
Dispute information is not available for complaint 20878542.
What product category is complaint 20878542 about?
Complaint 20878542 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 20878542 submitted?
Complaint 20878542 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 20878542?
This case falls under the Fair Credit Reporting Act (FCRA), which governs the accuracy and privacy of credit reporting information. This relates to a Credit reporting or other personal consumer reports complaint against NRA Group, LLC involving "Incorrect information on your report".
How likely is complaint 20878542 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 20878542?
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 or furnisher.
What regulatory actions apply to complaint 20878542?
The FCRA requires credit reporting agencies to investigate disputes and correct inaccurate information, and 'closed with explanation' indicates this process was followed. 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 20878542?
Consumers should carefully review their credit reports for any inaccuracies, especially information that does not belong to them, and dispute it promptly.
Are there state-specific protections for complaint 20878542?
The complaint originated in Pennsylvania (PA). This complaint was filed from Pennsylvania.
How does complaint 20878542 compare to industry norms?
This is a common issue in the credit reporting industry, where identity mix-ups can occur.
What does 'closed with explanation' typically mean in the context of a CFPB credit reporting complaint?
It generally means the credit reporting agency or the company that provided the information investigated the complaint and provided a response or explanation to the consumer, indicating the issue has been addressed.
What steps should a consumer take if they find information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency and provide any supporting documentation to prove the information is not theirs.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.