Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20879920
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 20879920
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 Mexico
ZIP Code: 87104
Date Received: 2026-04-02T12:00:00-05:00
Date Sent to Company: 2026-04-02T12:00:00-05:00
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 negatively impact a consumer's ability to obtain credit, and if the information truly belongs to another individual, it indicates a significant data management or identity issue.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 20879920 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 consumer is disputing incorrect information on their Experian credit report, alleging the information belongs to someone else. The complaint was received on April 2, 2026 from New Mexico. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should carefully review all information on their credit reports and dispute any inaccuracies immediately with the credit bureau and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes of inaccurate information within a reasonable timeframe.
Regulatory Insight
Credit bureaus have a responsibility under the FCRA to ensure the accuracy of the information they report and to investigate consumer disputes thoroughly.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This complaint was filed in New Mexico, and state laws may offer additional protections or avenues for recourse regarding credit reporting disputes.
Industry Comparison
Experian, as one of the major credit bureaus, faces similar challenges to Equifax and TransUnion in maintaining data accuracy and handling consumer disputes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20879920 about?
CFPB complaint 20879920 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 April 2, 2026.
Which company is complaint 20879920 filed against?
Complaint 20879920 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 20879920?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20879920 filed?
Complaint 20879920 was received by the CFPB on April 2, 2026. It was sent to Experian Information Solutions Inc. on April 2, 2026.
What state was complaint 20879920 filed from?
Complaint 20879920 was filed from New Mexico. You can view all complaints from this state at /state/NM.
Was the consumer satisfied with the resolution of complaint 20879920?
Dispute information is not available for complaint 20879920.
What product category is complaint 20879920 about?
Complaint 20879920 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 20879920 submitted?
Complaint 20879920 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 20879920?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes of inaccurate information within a reasonable timeframe. 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 20879920 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 20879920?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, and if the information truly belongs to another individual, it indicates a significant data management or identity issue.
What regulatory actions apply to complaint 20879920?
Credit bureaus have a responsibility under the FCRA to ensure the accuracy of the information they report and to investigate consumer disputes thoroughly. 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 20879920?
Consumers should carefully review all information on their credit reports and dispute any inaccuracies immediately with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 20879920?
This complaint was filed in New Mexico, and state laws may offer additional protections or avenues for recourse regarding credit reporting disputes. This complaint was filed from New Mexico.
How does complaint 20879920 compare to industry norms?
Experian, as one of the major credit bureaus, faces similar challenges to Equifax and TransUnion in maintaining data accuracy and handling consumer disputes.
What steps should a consumer take if they suspect their credit report contains information belonging to another person?
The consumer should file a dispute with the credit bureau (Experian in this case) and the original creditor or furnisher of the information, clearly stating that the information belongs to someone else and providing any supporting evidence. They may also consider filing a police report if identity theft is suspected.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.