Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20905699
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 20905699
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: Texas
ZIP Code: 77018
Date Received: 2026-04-03T12:00:00-05:00
Date Sent to Company: 2026-04-03T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrectly reported information, especially when it belongs to another individual, can significantly impact a consumer's creditworthiness and access to financial products.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 20905699 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 Texas consumer reported incorrect information on their Experian credit report, stating that the information belonged to someone else, and the complaint is currently in progress. The complaint was received on April 3, 2026 from Texas. 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 and correct any inaccurate information.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate credit information and must take steps to prevent the commingling of consumer files.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Texas, consumers have rights under the FCRA to dispute and correct errors on their credit reports.
Industry Comparison
This issue is common across credit reporting agencies, as errors in data aggregation and matching can lead to incorrect reporting.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20905699 about?
CFPB complaint 20905699 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 3, 2026.
Which company is complaint 20905699 filed against?
Complaint 20905699 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 20905699?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20905699 filed?
Complaint 20905699 was received by the CFPB on April 3, 2026. It was sent to Experian Information Solutions Inc. on April 3, 2026.
What state was complaint 20905699 filed from?
Complaint 20905699 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 20905699?
Dispute information is not available for complaint 20905699.
What product category is complaint 20905699 about?
Complaint 20905699 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 20905699 submitted?
Complaint 20905699 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 20905699?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct any inaccurate information. 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 20905699 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 20905699?
This complaint is rated as medium risk. Incorrectly reported information, especially when it belongs to another individual, can significantly impact a consumer's creditworthiness and access to financial products.
What regulatory actions apply to complaint 20905699?
Credit bureaus have a responsibility to maintain accurate credit information and must take steps to prevent the commingling of consumer files. 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 20905699?
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 20905699?
In Texas, consumers have rights under the FCRA to dispute and correct errors on their credit reports. This complaint was filed from Texas.
How does complaint 20905699 compare to industry norms?
This issue is common across credit reporting agencies, as errors in data aggregation and matching can lead to incorrect reporting.
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.
How long does a credit bureau typically have to investigate a dispute?
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.