Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20891118
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 20891118
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: Mississippi
ZIP Code: 39402
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
Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment, and can be time-consuming to resolve.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 20891118 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 that the information belongs to someone else. The complaint was received on April 2, 2026 from Mississippi. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of information in consumer reports and to investigate disputes.
Regulatory Insight
Credit reporting agencies have a responsibility to maintain accurate records and must investigate consumer disputes regarding the identity of the information reported.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This complaint was filed in Mississippi, a state that adheres to federal FCRA guidelines for credit reporting disputes.
Industry Comparison
Disputes over incorrect information, including identity mix-ups, are common in the credit reporting industry, affecting major bureaus like Experian.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20891118 about?
CFPB complaint 20891118 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 20891118 filed against?
Complaint 20891118 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 20891118?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20891118 filed?
Complaint 20891118 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 20891118 filed from?
Complaint 20891118 was filed from Mississippi. You can view all complaints from this state at /state/MS.
Was the consumer satisfied with the resolution of complaint 20891118?
Dispute information is not available for complaint 20891118.
What product category is complaint 20891118 about?
Complaint 20891118 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 20891118 submitted?
Complaint 20891118 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 20891118?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of information in consumer reports and to investigate disputes. 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 20891118 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 20891118?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment, and can be time-consuming to resolve.
What regulatory actions apply to complaint 20891118?
Credit reporting agencies have a responsibility to maintain accurate records and must investigate consumer disputes regarding the identity of the information reported. 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 20891118?
Consumers should carefully review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 20891118?
This complaint was filed in Mississippi, a state that adheres to federal FCRA guidelines for credit reporting disputes. This complaint was filed from Mississippi.
How does complaint 20891118 compare to industry norms?
Disputes over incorrect information, including identity mix-ups, are common in the credit reporting industry, affecting major bureaus like Experian.
What steps should a consumer take if they discover information belonging to another individual on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (Experian in this case) and the original creditor or furnisher of the information, providing evidence to support their claim.
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, with a possible extension to 45 days if the consumer provides additional relevant information after the initial submission.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.