Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20924994
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 20924994
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: 32246
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, and can be time-consuming to resolve.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 20924994 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 from all three major bureaus and dispute any inaccuracies 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 in a consumer's file and to investigate disputes.
Regulatory Insight
Credit reporting agencies have a responsibility to maintain accurate records and must have robust processes to prevent and correct mixed files or identity theft.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Florida, as elsewhere, consumers are protected by federal laws like the FCRA regarding credit reporting accuracy.
Industry Comparison
This issue is common across the credit reporting industry, where errors such as mixed files or incorrect data can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20924994 about?
CFPB complaint 20924994 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 20924994 filed against?
Complaint 20924994 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 20924994?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20924994 filed?
Complaint 20924994 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 20924994 filed from?
Complaint 20924994 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 20924994?
Dispute information is not available for complaint 20924994.
What product category is complaint 20924994 about?
Complaint 20924994 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 20924994 submitted?
Complaint 20924994 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 20924994?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in a consumer's file and to investigate disputes. 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 20924994 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 20924994?
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, and can be time-consuming to resolve.
What regulatory actions apply to complaint 20924994?
Credit reporting agencies have a responsibility to maintain accurate records and must have robust processes to prevent and correct mixed files or identity theft. 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 20924994?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately with the credit reporting agency.
Are there state-specific protections for complaint 20924994?
In Florida, as elsewhere, consumers are protected by federal laws like the FCRA regarding credit reporting accuracy. This complaint was filed from Florida.
How does complaint 20924994 compare to industry norms?
This issue is common across the credit reporting industry, where errors such as mixed files or incorrect data can occur.
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) in writing, providing any supporting documentation. They should also consider filing a complaint with the CFPB and potentially the FTC.
What is Experian's responsibility when incorrect information is reported?
Experian is obligated under the FCRA to investigate the dispute within a reasonable period, typically 30 days, and correct any inaccurate information found. They must also provide the consumer with the results of their investigation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.