Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13283530
Experian Credit Report Error Closed with Explanation
Complaint Overview
Complaint ID: 13283530
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 information incorrect
State: Michigan
ZIP Code: 48188
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-04-30T12:00:00-05:00
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 was resolved and closed with an explanation, indicating a likely correction or clarification.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 13283530 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 information on their credit report to Experian Information Solutions Inc., which was closed with an explanation. The complaint was received on April 30, 2025 from Michigan. 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 promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and requires furnishers to investigate disputes.
Regulatory Insight
This case highlights the importance of credit reporting agencies having clear processes for handling and explaining disputes.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Michigan (MI).
Industry Comparison
Credit reporting agencies like Experian are expected to maintain accurate consumer data and address reporting errors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13283530 about?
CFPB complaint 13283530 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against Experian Information Solutions Inc. on April 30, 2025.
Which company is complaint 13283530 filed against?
Complaint 13283530 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 13283530?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13283530 filed?
Complaint 13283530 was received by the CFPB on April 30, 2025. It was sent to Experian Information Solutions Inc. on April 30, 2025.
What state was complaint 13283530 filed from?
Complaint 13283530 was filed from Michigan. You can view all complaints from this state at /state/MI.
Was the consumer satisfied with the resolution of complaint 13283530?
Dispute information is not available for complaint 13283530.
What product category is complaint 13283530 about?
Complaint 13283530 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 13283530 submitted?
Complaint 13283530 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 13283530?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and requires furnishers 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 13283530 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 13283530?
This complaint is rated as low risk. The risk is low as the issue was resolved and closed with an explanation, indicating a likely correction or clarification.
What regulatory actions apply to complaint 13283530?
This case highlights the importance of credit reporting agencies having clear processes for handling and explaining 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 13283530?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 13283530?
The complaint originated in Michigan (MI). This complaint was filed from Michigan.
How does complaint 13283530 compare to industry norms?
Credit reporting agencies like Experian are expected to maintain accurate consumer data and address reporting errors.
What does 'Closed with explanation' typically mean in the context of a CFPB complaint?
It generally means the company responded to the complaint and provided a reason or resolution, but the consumer may not have fully agreed with the outcome or the explanation provided.
How long does Experian typically take to investigate and resolve disputes?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days if the dispute involves new information) to investigate and respond to a consumer dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.