Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20901142
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 20901142
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: Colorado
ZIP Code: 80138
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: high
Incorrect information on a credit report, especially when it belongs to another individual, can significantly impact a consumer's creditworthiness and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information, Identity Mix-up
AI Analysis
CFPB complaint 20901142 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 Colorado 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 Colorado. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any inaccurate information on their credit reports 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 to maintain accurate credit information and must have processes in place to prevent and correct identity mix-ups.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Colorado, 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, as errors in data aggregation and matching can lead to mixed files.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20901142 about?
CFPB complaint 20901142 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 20901142 filed against?
Complaint 20901142 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 20901142?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20901142 filed?
Complaint 20901142 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 20901142 filed from?
Complaint 20901142 was filed from Colorado. You can view all complaints from this state at /state/CO.
Was the consumer satisfied with the resolution of complaint 20901142?
Dispute information is not available for complaint 20901142.
What product category is complaint 20901142 about?
Complaint 20901142 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 20901142 submitted?
Complaint 20901142 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 20901142?
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 20901142 to be resolved?
Resolution likelihood: likely. 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 20901142?
This complaint is rated as high risk. Incorrect information on a credit report, especially when it belongs to another individual, can significantly impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 20901142?
Credit bureaus have a responsibility to maintain accurate credit information and must have processes in place to prevent and correct 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 20901142?
Consumers should immediately dispute any inaccurate information on their credit reports with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 20901142?
In Colorado, consumers have rights under state law in addition to federal protections regarding credit reporting accuracy. This complaint was filed from Colorado.
How does complaint 20901142 compare to industry norms?
This issue is common across the credit reporting industry, as errors in data aggregation and matching can lead to mixed files.
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 reporting agency (Experian in this case) and the original creditor or data furnisher. They should provide documentation to support their claim that the information is not theirs.
What is the timeframe for credit bureaus to resolve disputes under the FCRA?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information during that 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.