Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9390262
Experian Credit Report Error: Identity Mismatch Resolved
Complaint Overview
Complaint ID: 9390262
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: Illinois
ZIP Code: 60181
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: low
The risk is low as the issue was resolved with non-monetary relief, indicating a likely error correction rather than a systemic problem.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity mismatch
AI Analysis
CFPB complaint 9390262 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 incorrect information on their Experian credit report, stating that the information belonged to someone else, and the issue was closed with non-monetary relief. The complaint was received on June 30, 2024 from Illinois. 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 incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information.
Regulatory Insight
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit information.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Illinois, and the resolution indicates Experian addressed the specific reporting error.
Industry Comparison
Experian, like other major credit bureaus, faces ongoing scrutiny regarding data accuracy and dispute resolution processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9390262 about?
CFPB complaint 9390262 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 9390262 filed against?
Complaint 9390262 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 9390262?
Experian Information Solutions Inc. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9390262 filed?
Complaint 9390262 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 9390262 filed from?
Complaint 9390262 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 9390262?
Dispute information is not available for complaint 9390262.
What product category is complaint 9390262 about?
Complaint 9390262 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 9390262 submitted?
Complaint 9390262 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 9390262?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information. 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 9390262 to be resolved?
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.
What does the risk level mean for complaint 9390262?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a likely error correction rather than a systemic problem.
What regulatory actions apply to complaint 9390262?
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit 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 9390262?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 9390262?
The consumer is located in Illinois, and the resolution indicates Experian addressed the specific reporting error. This complaint was filed from Illinois.
How does complaint 9390262 compare to industry norms?
Experian, like other major credit bureaus, faces ongoing scrutiny regarding data accuracy and dispute resolution processes.
What constitutes 'non-monetary relief' in credit reporting disputes?
Non-monetary relief typically involves the correction or removal of inaccurate information from a credit report, rather than financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.