Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20935641
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 20935641
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: New York
ZIP Code: 11710
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 risk is medium because incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, and the issue of mistaken identity can be complex to resolve.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 20935641 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 New York consumer is disputing incorrect information on their Experian credit report, alleging the information belongs to someone else. The complaint was received on April 3, 2026 from New York. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for any inaccuracies and dispute them promptly 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 consumer reports.
Regulatory Insight
Credit reporting agencies have a responsibility under the FCRA to investigate disputes and correct any inaccurate information.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This issue is occurring in New York, which has its own consumer protection laws that may offer additional recourse.
Industry Comparison
Mistaken identity on credit reports is a common issue that affects many consumers, highlighting the need for robust verification processes by credit bureaus.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20935641 about?
CFPB complaint 20935641 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 20935641 filed against?
Complaint 20935641 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 20935641?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20935641 filed?
Complaint 20935641 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 20935641 filed from?
Complaint 20935641 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 20935641?
Dispute information is not available for complaint 20935641.
What product category is complaint 20935641 about?
Complaint 20935641 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 20935641 submitted?
Complaint 20935641 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 20935641?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer reports. 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 20935641 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 20935641?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, and the issue of mistaken identity can be complex to resolve.
What regulatory actions apply to complaint 20935641?
Credit reporting agencies have a responsibility under the FCRA to investigate disputes and correct any inaccurate information. 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 20935641?
Consumers should carefully review their credit reports for any inaccuracies and dispute them promptly with the credit reporting agency.
Are there state-specific protections for complaint 20935641?
This issue is occurring in New York, which has its own consumer protection laws that may offer additional recourse. This complaint was filed from New York.
How does complaint 20935641 compare to industry norms?
Mistaken identity on credit reports is a common issue that affects many consumers, highlighting the need for robust verification processes by credit bureaus.
What steps should a consumer take if they discover information belonging to someone else 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 and potentially the FTC if identity theft is suspected.
How long does Experian have to investigate and resolve this type of dispute?
Under the FCRA, Experian generally has 30 days to investigate a dispute after receiving it, or 45 days if the consumer provides additional information related to the dispute during that 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.