Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9987873
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 9987873
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: Nevada
ZIP Code: 89148
Date Received: 2024-08-31T12:00:00-05:00
Date Sent to Company: 2024-08-31T12:00:00-05:00
Company Response: Closed with explanation
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 creditworthiness and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity confusion
AI Analysis
CFPB complaint 9987873 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 in Nevada. The complaint was received on August 31, 2024 from Nevada. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and requires furnishers and credit bureaus to investigate disputes.
Regulatory Insight
Credit reporting agencies have a responsibility under the FCRA to ensure the accuracy of the information they report and to investigate consumer disputes.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Nevada, as elsewhere, consumers are protected by federal laws like the FCRA regarding credit reporting accuracy.
Industry Comparison
This issue is common in the credit reporting industry, where data errors or misidentification can lead to significant consumer harm.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9987873 about?
CFPB complaint 9987873 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 August 31, 2024.
Which company is complaint 9987873 filed against?
Complaint 9987873 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 9987873?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 9987873 filed?
Complaint 9987873 was received by the CFPB on August 31, 2024. It was sent to Experian Information Solutions Inc. on August 31, 2024.
What state was complaint 9987873 filed from?
Complaint 9987873 was filed from Nevada. You can view all complaints from this state at /state/NV.
Was the consumer satisfied with the resolution of complaint 9987873?
Dispute information is not available for complaint 9987873.
What product category is complaint 9987873 about?
Complaint 9987873 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 9987873 submitted?
Complaint 9987873 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 9987873?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and requires furnishers and credit bureaus to 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 9987873 to be resolved?
Resolution likelihood: mixed. 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 9987873?
This complaint is rated as medium risk. Incorrectly attributed information on a credit report can negatively impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 9987873?
Credit reporting agencies have a responsibility under the FCRA to ensure the accuracy of the information they report and to investigate consumer disputes. 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 9987873?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Are there state-specific protections for complaint 9987873?
In Nevada, as elsewhere, consumers are protected by federal laws like the FCRA regarding credit reporting accuracy. This complaint was filed from Nevada.
How does complaint 9987873 compare to industry norms?
This issue is common in the credit reporting industry, where data errors or misidentification can lead to significant consumer harm.
What steps should a consumer take if they discover information belonging to another person on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (Experian in this case) and provide any supporting documentation. They should also consider notifying the furnisher of the information if known.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.