Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9390217

CFPB complaint 9390217 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.

Complaint 9390217 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.

Experian Information Solutions Inc. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.

Complaint 9390217 was received by the CFPB on June 30, 2024. It was sent to Experian Information Solutions Inc. on June 30, 2024.

Complaint 9390217 was filed from Texas. You can view all complaints from this state at /state/TX.

Dispute information is not available for complaint 9390217.

Complaint 9390217 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 9390217 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports, including unauthorized inquiries. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Incorrect information on your report".

Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as high risk. The presence of unauthorized inquiries on a credit report can significantly impact credit scores and may indicate identity theft, posing a high risk to the consumer's financial well-being.

Credit reporting agencies have a responsibility under the FCRA to investigate disputes promptly and correct any inaccuracies found. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should immediately dispute any unauthorized inquiries with the credit bureau and the company that made the inquiry, and consider filing a police report if identity theft is suspected.

The consumer is located in Texas, and the complaint was submitted on June 30, 2024. This complaint was filed from Texas.

This situation is common in the credit reporting industry, where identity theft and unauthorized access to consumer information are ongoing concerns.

If identity theft is suspected, the consumer should file a police report, place a fraud alert on their credit reports with all three major bureaus, and consider a credit freeze.

Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, with a possible extension to 45 days if additional information is provided by the consumer within that initial period.