Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20935461
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 20935461
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: 94546
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 requires prompt correction.
Consumer Sentiment: negative
Topics: Credit Reporting, Identity Theft, Data Accuracy
AI Analysis
CFPB complaint 20935461 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 immediately dispute any incorrect information on their credit report with the credit bureau and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding the accuracy of information on a consumer's report.
Regulatory Insight
Credit bureaus must have reasonable procedures to prevent the mixing of consumer files and to correct inaccurate information promptly.
Resolution Likelihood
likely
State-Specific Consumer Protections
In California, consumers have rights under state law in addition to federal protections regarding credit reporting accuracy.
Industry Comparison
This issue is common in the credit reporting industry, where data errors can occur due to various factors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20935461 about?
CFPB complaint 20935461 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 20935461 filed against?
Complaint 20935461 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 20935461?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20935461 filed?
Complaint 20935461 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 20935461 filed from?
Complaint 20935461 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 20935461?
Dispute information is not available for complaint 20935461.
What product category is complaint 20935461 about?
Complaint 20935461 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 20935461 submitted?
Complaint 20935461 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 20935461?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding the accuracy of information on a consumer's report. 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 20935461 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 20935461?
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 requires prompt correction.
What regulatory actions apply to complaint 20935461?
Credit bureaus must have reasonable procedures to prevent the mixing of consumer files and to 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 20935461?
Consumers should immediately dispute any incorrect information on their credit report with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 20935461?
In California, consumers have rights under state law in addition to federal protections regarding credit reporting accuracy. This complaint was filed from California.
How does complaint 20935461 compare to industry norms?
This issue is common in the credit reporting industry, where data errors can occur due to various factors.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should file a dispute with Experian and the original creditor that reported the information, providing evidence of the error. They should also consider filing a complaint with the CFPB and relevant state agencies.
What is Experian's responsibility in this situation?
Experian is obligated under the FCRA to investigate the dispute and correct any inaccurate information within a reasonable timeframe, typically 30 days.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.