Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20898940
Experian Accused of Reporting Incorrect Personal Information
Complaint Overview
Complaint ID: 20898940
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: California
ZIP Code: 94102
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 the issue involves identity confusion.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity confusion
AI Analysis
CFPB complaint 20898940 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 reported that incorrect information, specifically data belonging to someone else, appeared on their Experian credit report. The complaint was received on April 2, 2026 from California. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain.
Regulatory Insight
This case highlights the ongoing regulatory focus on the accuracy and integrity of consumer credit data.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In California, consumers have specific rights regarding access to and correction of their credit information.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer harm.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20898940 about?
CFPB complaint 20898940 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 20898940 filed against?
Complaint 20898940 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 20898940?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20898940 filed?
Complaint 20898940 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 20898940 filed from?
Complaint 20898940 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 20898940?
Dispute information is not available for complaint 20898940.
What product category is complaint 20898940 about?
Complaint 20898940 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 20898940 submitted?
Complaint 20898940 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 20898940?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain. 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 20898940 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 20898940?
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 the issue involves identity confusion.
What regulatory actions apply to complaint 20898940?
This case highlights the ongoing regulatory focus on the accuracy and integrity of consumer credit data. 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 20898940?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 20898940?
In California, consumers have specific rights regarding access to and correction of their credit information. This complaint was filed from California.
How does complaint 20898940 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer harm.
What steps should a consumer take if they discover information belonging to another person on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (Experian in this case) and provide evidence to support their claim. They should also consider contacting the original creditor if applicable.
What is the typical timeframe for a credit reporting agency to investigate and resolve a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides additional information during the 30-day period) to investigate and respond to a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.