Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9390250
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 9390250
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: District of Columbia
ZIP Code: 20019
Date Received: 2024-06-30T12:00:00-05:00
Date Sent to Company: 2024-06-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrectly attributed information on a credit report can negatively impact a consumer's financial standing and access to credit.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 9390250 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, belonging to someone else, appeared on their Experian credit report, which was closed with non-monetary relief. The complaint was received on June 30, 2024 from District of Columbia. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies accurately report information and investigate disputes.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate records and must investigate consumer disputes regarding identity theft or mixed files.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This complaint originated in Washington D.C.
Industry Comparison
Experian is one of the three major credit reporting agencies, and issues with mixed files or incorrect information are not uncommon.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9390250 about?
CFPB complaint 9390250 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 9390250 filed against?
Complaint 9390250 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 9390250?
Experian Information Solutions Inc. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9390250 filed?
Complaint 9390250 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 9390250 filed from?
Complaint 9390250 was filed from District of Columbia. You can view all complaints from this state at /state/DC.
Was the consumer satisfied with the resolution of complaint 9390250?
Dispute information is not available for complaint 9390250.
What product category is complaint 9390250 about?
Complaint 9390250 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 9390250 submitted?
Complaint 9390250 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 9390250?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies accurately report information and 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 9390250 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 9390250?
This complaint is rated as medium risk. Incorrectly attributed information on a credit report can negatively impact a consumer's financial standing and access to credit.
What regulatory actions apply to complaint 9390250?
Credit bureaus have a responsibility to maintain accurate records and must investigate consumer disputes regarding identity theft or mixed files. 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 9390250?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit bureau.
Are there state-specific protections for complaint 9390250?
This complaint originated in Washington D.C. This complaint was filed from District of Columbia.
How does complaint 9390250 compare to industry norms?
Experian is one of the three major credit reporting agencies, and issues with mixed files or incorrect information are not uncommon.
What constitutes 'non-monetary relief' in this context?
Non-monetary relief typically involves actions like correcting the credit report, providing an explanation, or implementing new procedures, rather than financial compensation.
What steps should a consumer take if they suspect their credit report has been mixed with another person's information?
Consumers should immediately contact the credit bureau, provide evidence of the error, and file a dispute to have the incorrect information removed and their report corrected.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.