Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13283531
Experian Addresses Inaccurate Public Record on Credit Report
Complaint Overview
Complaint ID: 13283531
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: Public record information inaccurate
State: New Jersey
ZIP Code: 08527
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 with an explanation, suggesting a straightforward correction or clarification.
Consumer Sentiment: neutral
Topics: Credit Reporting, Incorrect Information, Public Records
AI Analysis
CFPB complaint 13283531 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 public record information on their credit report to Experian, which was closed with an explanation. The complaint was received on April 30, 2025 from New Jersey. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for inaccuracies 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 reporting information.
Regulatory Insight
Credit bureaus must investigate disputes regarding public record information within a reasonable timeframe.
Resolution Likelihood
likely
State-Specific Consumer Protections
New Jersey residents are subject to the same federal credit reporting laws as other consumers.
Industry Comparison
This is a common issue within the credit reporting industry, where errors can occur and are typically addressed through dispute resolution processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13283531 about?
CFPB complaint 13283531 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Public record information inaccurate". This complaint was filed against Experian Information Solutions Inc. on April 30, 2025.
Which company is complaint 13283531 filed against?
Complaint 13283531 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 13283531?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13283531 filed?
Complaint 13283531 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 13283531 filed from?
Complaint 13283531 was filed from New Jersey. You can view all complaints from this state at /state/NJ.
Was the consumer satisfied with the resolution of complaint 13283531?
Dispute information is not available for complaint 13283531.
What product category is complaint 13283531 about?
Complaint 13283531 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 13283531 submitted?
Complaint 13283531 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 13283531?
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 13283531 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 13283531?
This complaint is rated as low risk. The risk is low as the issue was resolved with an explanation, suggesting a straightforward correction or clarification.
What regulatory actions apply to complaint 13283531?
Credit bureaus must investigate disputes regarding public record information within a reasonable timeframe. 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 13283531?
Consumers should regularly review their credit reports for inaccuracies and dispute any errors promptly with the credit reporting agency.
Are there state-specific protections for complaint 13283531?
New Jersey residents are subject to the same federal credit reporting laws as other consumers. This complaint was filed from New Jersey.
How does complaint 13283531 compare to industry norms?
This is a common issue within the credit reporting industry, where errors can occur and are typically addressed through dispute resolution processes.
What is considered 'public record information' in the context of credit reporting?
Public record information includes data from government sources such as bankruptcies, liens, judgments, and sometimes even arrest records, which can appear on credit reports.
What steps should a consumer take if they find inaccurate public record information on their credit report?
A consumer should dispute the inaccurate information directly with the credit reporting agency (Experian, in this case) and provide any supporting documentation to prove the inaccuracy.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.