Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20924818
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 20924818
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: Florida
ZIP Code: 32828
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
Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 20924818 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 Florida 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 Florida. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors immediately with the credit reporting agency.
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 reporting agencies have a responsibility to investigate disputes and correct inaccurate information promptly.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This issue is occurring in Florida, and state-specific consumer protection laws may also apply.
Industry Comparison
Disputes over incorrect information, including identity mix-ups, are common issues faced by consumers with credit reporting agencies.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20924818 about?
CFPB complaint 20924818 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 20924818 filed against?
Complaint 20924818 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 20924818?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20924818 filed?
Complaint 20924818 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 20924818 filed from?
Complaint 20924818 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 20924818?
Dispute information is not available for complaint 20924818.
What product category is complaint 20924818 about?
Complaint 20924818 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 20924818 submitted?
Complaint 20924818 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 20924818?
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 20924818 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 20924818?
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.
What regulatory actions apply to complaint 20924818?
Credit reporting agencies have a responsibility to investigate disputes and correct inaccurate information promptly. 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 20924818?
Consumers should regularly review their credit reports for accuracy and dispute any errors immediately with the credit reporting agency.
Are there state-specific protections for complaint 20924818?
This issue is occurring in Florida, and state-specific consumer protection laws may also apply. This complaint was filed from Florida.
How does complaint 20924818 compare to industry norms?
Disputes over incorrect information, including identity mix-ups, are common issues faced by consumers with credit reporting agencies.
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 any supporting documentation. They should also consider filing a complaint with the CFPB.
What is the timeframe for Experian to investigate and resolve this type of credit report dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information during that period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.