Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9390193
Consumer Demands Removal of Unauthorized Accounts from Credit Report
Complaint Overview
Complaint ID: 9390193
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: Indiana
ZIP Code: 46236
Date Received: 2024-06-30T12:00:00-05:00
Date Sent to Company: 2024-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
The risk is high because incorrect information on a credit report can significantly impact a consumer's financial standing and ability to obtain credit, and the consumer is asserting unauthorized activity.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 9390193 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". The consumer is requesting the removal of incorrect information from their credit report, stating that accounts listed do not belong to them and were never authorized. The complaint was received on June 30, 2024 from Indiana. The company responded with "Closed with explanation".
Consumer Narrative
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
What You Should Do -- Consumer Action Plan
Consumers should dispute any inaccurate information on their credit reports directly with the credit reporting agency and the furnisher of the information, providing evidence to support their claim.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes regarding inaccurate information on a consumer's report.
Regulatory Insight
Credit reporting agencies must have reasonable procedures to ensure the accuracy of the information they collect and report, and to address consumer disputes promptly.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Indiana, consumers have the right to dispute inaccurate information on their credit reports under state and federal laws.
Industry Comparison
This situation is common in the credit reporting industry, where errors in identifying or associating accounts with the correct consumer can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9390193 about?
CFPB complaint 9390193 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 June 30, 2024.
Which company is complaint 9390193 filed against?
Complaint 9390193 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 9390193?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 9390193 filed?
Complaint 9390193 was received by the CFPB on June 30, 2024. It was sent to Experian Information Solutions Inc. on June 30, 2024.
What state was complaint 9390193 filed from?
Complaint 9390193 was filed from Indiana. You can view all complaints from this state at /state/IN.
Was the consumer satisfied with the resolution of complaint 9390193?
Dispute information is not available for complaint 9390193.
What product category is complaint 9390193 about?
Complaint 9390193 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 9390193 submitted?
Complaint 9390193 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 9390193?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes regarding inaccurate 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 9390193 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 9390193?
This complaint is rated as high risk. The risk is high because incorrect information on a credit report can significantly impact a consumer's financial standing and ability to obtain credit, and the consumer is asserting unauthorized activity.
What regulatory actions apply to complaint 9390193?
Credit reporting agencies must have reasonable procedures to ensure the accuracy of the information they collect and report, and to address consumer disputes 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 9390193?
Consumers should dispute any inaccurate information on their credit reports directly with the credit reporting agency and the furnisher of the information, providing evidence to support their claim.
Are there state-specific protections for complaint 9390193?
In Indiana, consumers have the right to dispute inaccurate information on their credit reports under state and federal laws. This complaint was filed from Indiana.
How does complaint 9390193 compare to industry norms?
This situation is common in the credit reporting industry, where errors in identifying or associating accounts with the correct consumer can occur.
What steps should a consumer take if they suspect their identity has been compromised leading to fraudulent accounts on their credit report?
If identity theft is suspected, the consumer should file a police report, notify the Federal Trade Commission (FTC), and place fraud alerts or credit freezes with the major credit bureaus.
What is the typical timeframe for a credit reporting agency to resolve a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides additional information during the 30-day period) to investigate and resolve a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.