Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12765506
Inaccurate Late Payment Remarks on Experian Report
Complaint Overview
Complaint ID: 12765506
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: Florida
ZIP Code: 334XX
Date Received: 2025-03-31T12:00:00-05:00
Date Sent to Company: 2025-03-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Inaccurate late payment remarks can significantly lower a consumer's credit score, impacting their ability to obtain loans or credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Late payment remarks
AI Analysis
CFPB complaint 12765506 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 inaccurate late payment remarks on their Experian credit report, which was closed with an explanation. The complaint was received on March 31, 2025 from Florida. The company responded with "Closed with explanation".
Consumer Narrative
I was alarmed that there are inaccurate late payment remarks on my report.
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they provide.
Regulatory Insight
Credit reporting agencies have a responsibility to investigate disputes and correct inaccuracies promptly.
Resolution Likelihood
mixed
State-Specific Consumer Protections
Florida consumers are subject to state laws that may offer additional protections regarding credit reporting.
Industry Comparison
This issue is common among consumers who find errors on their credit reports from major bureaus like Experian.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12765506 about?
CFPB complaint 12765506 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 March 31, 2025.
Which company is complaint 12765506 filed against?
Complaint 12765506 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 12765506?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12765506 filed?
Complaint 12765506 was received by the CFPB on March 31, 2025. It was sent to Experian Information Solutions Inc. on March 31, 2025.
What state was complaint 12765506 filed from?
Complaint 12765506 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 12765506?
Dispute information is not available for complaint 12765506.
What product category is complaint 12765506 about?
Complaint 12765506 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 12765506 submitted?
Complaint 12765506 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 12765506?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they provide. 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 12765506 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 12765506?
This complaint is rated as medium risk. Inaccurate late payment remarks can significantly lower a consumer's credit score, impacting their ability to obtain loans or credit.
What regulatory actions apply to complaint 12765506?
Credit reporting agencies have a responsibility to investigate disputes and correct inaccuracies promptly. 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 12765506?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit reporting agency.
Are there state-specific protections for complaint 12765506?
Florida consumers are subject to state laws that may offer additional protections regarding credit reporting. This complaint was filed from Florida.
How does complaint 12765506 compare to industry norms?
This issue is common among consumers who find errors on their credit reports from major bureaus like Experian.
What steps should a consumer take if they discover inaccurate late payment remarks on their credit report?
The consumer should file a dispute with Experian, providing any supporting documentation. If Experian fails to resolve the issue, the consumer can escalate the complaint to the CFPB.
How long does a credit reporting agency typically have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides additional information during the 30-day period) to investigate a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.