Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12303176
Experian Credit Report Contains Incorrect Personal Information
Complaint Overview
Complaint ID: 12303176
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: Personal information incorrect
State: Kansas
ZIP Code: 67214
Date Received: 2025-02-28T12:00:00-05:00
Date Sent to Company: 2025-03-03T12:00:00-05:00
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 incorrect personal details rather than inaccuracies in credit history, which are typically more impactful.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Personal information
AI Analysis
CFPB complaint 12303176 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 personal information on their Experian credit report, which was closed with an explanation. The complaint was received on February 28, 2025 from Kansas. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for any personal information errors and dispute them promptly with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to maintain accurate and relevant information in consumer reports.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes regarding the accuracy of information on a consumer's report, including personal details.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Kansas, and state laws may offer additional consumer protections regarding credit reporting.
Industry Comparison
This is a common type of complaint across credit reporting agencies, highlighting the need for diligence in maintaining accurate consumer data.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12303176 about?
CFPB complaint 12303176 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Personal information incorrect". This complaint was filed against Experian Information Solutions Inc. on February 28, 2025.
Which company is complaint 12303176 filed against?
Complaint 12303176 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 12303176?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12303176 filed?
Complaint 12303176 was received by the CFPB on February 28, 2025. It was sent to Experian Information Solutions Inc. on March 3, 2025.
What state was complaint 12303176 filed from?
Complaint 12303176 was filed from Kansas. You can view all complaints from this state at /state/KS.
Was the consumer satisfied with the resolution of complaint 12303176?
Dispute information is not available for complaint 12303176.
What product category is complaint 12303176 about?
Complaint 12303176 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 12303176 submitted?
Complaint 12303176 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 12303176?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to maintain accurate and relevant information in consumer reports. 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 12303176 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 12303176?
This complaint is rated as low risk. The risk is low as the issue pertains to incorrect personal details rather than inaccuracies in credit history, which are typically more impactful.
What regulatory actions apply to complaint 12303176?
Credit bureaus have a responsibility to investigate disputes regarding the accuracy of information on a consumer's report, including personal details. 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 12303176?
Consumers should regularly review their credit reports for any personal information errors and dispute them promptly with the credit bureau.
Are there state-specific protections for complaint 12303176?
The complaint originated in Kansas, and state laws may offer additional consumer protections regarding credit reporting. This complaint was filed from Kansas.
How does complaint 12303176 compare to industry norms?
This is a common type of complaint across credit reporting agencies, highlighting the need for diligence in maintaining accurate consumer data.
What steps should a consumer take if they find incorrect personal information on their credit report?
The consumer should contact the credit reporting agency (Experian in this case) in writing to dispute the incorrect information and provide supporting documentation. They should also consider contacting the furnisher of the information if known.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.