Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11346213
Experian Credit Report Shows Incorrect Account Status
Complaint Overview
Complaint ID: 11346213
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: Account status incorrect
State: Indiana
ZIP Code: 46324
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2024-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue pertains to a single incorrect data point on a credit report, which is generally correctable.
Consumer Sentiment: neutral
Topics: Credit Reporting, Incorrect Information
AI Analysis
CFPB complaint 11346213 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 account status information on their credit report to Experian, which was closed with an explanation. The complaint was received on December 31, 2024 from Indiana. 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 incorrect information with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information.
Regulatory Insight
Credit bureaus are required to investigate disputes regarding inaccurate information on consumer reports.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Indiana, consumers have the right to access their credit reports and dispute inaccuracies.
Industry Comparison
This is a common issue across the credit reporting industry, with consumers frequently disputing incorrect information.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11346213 about?
CFPB complaint 11346213 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against Experian Information Solutions Inc. on December 31, 2024.
Which company is complaint 11346213 filed against?
Complaint 11346213 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 11346213?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11346213 filed?
Complaint 11346213 was received by the CFPB on December 31, 2024. It was sent to Experian Information Solutions Inc. on December 31, 2024.
What state was complaint 11346213 filed from?
Complaint 11346213 was filed from Indiana. You can view all complaints from this state at /state/IN.
Was the consumer satisfied with the resolution of complaint 11346213?
Dispute information is not available for complaint 11346213.
What product category is complaint 11346213 about?
Complaint 11346213 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 11346213 submitted?
Complaint 11346213 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 11346213?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting 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 11346213 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 11346213?
This complaint is rated as low risk. The risk is low as the issue pertains to a single incorrect data point on a credit report, which is generally correctable.
What regulatory actions apply to complaint 11346213?
Credit bureaus are required to investigate disputes regarding inaccurate information on consumer reports. 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 11346213?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit bureau.
Are there state-specific protections for complaint 11346213?
In Indiana, consumers have the right to access their credit reports and dispute inaccuracies. This complaint was filed from Indiana.
How does complaint 11346213 compare to industry norms?
This is a common issue across the credit reporting industry, with consumers frequently disputing incorrect information.
What is the typical timeframe for a credit bureau to investigate a dispute?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, with a possible extension to 45 days if new information is provided.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.