Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20919644
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 20919644
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: 91208
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
The presence of another individual's information on a credit report can lead to significant financial harm, including denial of credit, and may indicate systemic data security or processing issues.
Consumer Sentiment: negative
Topics: Credit Reporting, Identity Issues, Data Accuracy
AI Analysis
CFPB complaint 20919644 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 3, 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
Credit bureaus have a responsibility to investigate disputes and correct errors, including instances where information is incorrectly attributed to a consumer.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In California, consumers have additional rights under the California Consumer Privacy Act (CCPA) regarding their personal information.
Industry Comparison
This issue is common across credit reporting agencies, highlighting the challenges in maintaining accurate and distinct consumer data.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20919644 about?
CFPB complaint 20919644 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 20919644 filed against?
Complaint 20919644 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 20919644?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20919644 filed?
Complaint 20919644 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 20919644 filed from?
Complaint 20919644 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 20919644?
Dispute information is not available for complaint 20919644.
What product category is complaint 20919644 about?
Complaint 20919644 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 20919644 submitted?
Complaint 20919644 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 20919644?
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 20919644 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 20919644?
This complaint is rated as medium risk. The presence of another individual's information on a credit report can lead to significant financial harm, including denial of credit, and may indicate systemic data security or processing issues.
What regulatory actions apply to complaint 20919644?
Credit bureaus have a responsibility to investigate disputes and correct errors, including instances where information is incorrectly attributed to a consumer. 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 20919644?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 20919644?
In California, consumers have additional rights under the California Consumer Privacy Act (CCPA) regarding their personal information. This complaint was filed from California.
How does complaint 20919644 compare to industry norms?
This issue is common across credit reporting agencies, highlighting the challenges in maintaining accurate and distinct consumer data.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the information with the credit reporting agency (Experian in this case) and provide any supporting documentation. They should also consider filing a complaint with the CFPB.
What are the potential consequences for a credit reporting agency that fails to correct inaccurate information?
Credit reporting agencies can face penalties and legal action under the FCRA if they fail to reasonably investigate and correct consumer report inaccuracies.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.