Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13302892
Incorrect Account Information Persists on Credit Report Despite Dispute
Complaint Overview
Complaint ID: 13302892
Company: Mohela
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Rhode Island
ZIP Code: 02908
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-06-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The persistence of incorrect account information on a credit report, especially after disputes, can negatively impact credit scores and access to credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 13302892 was filed against MOHELA regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer disputes incorrect account information on their credit report, stating that an account listed as active should have been removed. The complaint was received on April 30, 2025 from Rhode Island. The company responded with "Closed with explanation".
Consumer Narrative
XXXX XXXX XXXX that is in my credit report is suppose to be off my credit as they no longer exist. I don't have them as a service loan, also I have attached a few dispute letters
What You Should Do -- Consumer Action Plan
Consumers should continue to dispute incorrect information with both the credit bureau and the furnisher of the information, providing documentation of their claims.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to investigate disputes and correct inaccuracies.
Regulatory Insight
This case highlights the importance of the FCRA's dispute resolution process and the potential for ongoing issues if not handled properly by the furnisher.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Rhode Island, and state laws may offer additional protections or avenues for recourse regarding credit reporting disputes.
Industry Comparison
This is a common issue within the credit reporting industry, where errors in account information can lead to significant consumer frustration.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13302892 about?
CFPB complaint 13302892 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 MOHELA on April 30, 2025.
Which company is complaint 13302892 filed against?
Complaint 13302892 was filed against MOHELA. You can view all complaints against this company on their profile page at /company/mohela.
What was the company's response to complaint 13302892?
MOHELA responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13302892 filed?
Complaint 13302892 was received by the CFPB on April 30, 2025. It was sent to MOHELA on June 21, 2025.
What state was complaint 13302892 filed from?
Complaint 13302892 was filed from Rhode Island. You can view all complaints from this state at /state/RI.
Was the consumer satisfied with the resolution of complaint 13302892?
Dispute information is not available for complaint 13302892.
What product category is complaint 13302892 about?
Complaint 13302892 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 13302892 submitted?
Complaint 13302892 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 13302892?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to investigate disputes and correct inaccuracies. This relates to a Credit reporting or other personal consumer reports complaint against MOHELA involving "Incorrect information on your report".
How likely is complaint 13302892 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 13302892?
This complaint is rated as medium risk. The persistence of incorrect account information on a credit report, especially after disputes, can negatively impact credit scores and access to credit.
What regulatory actions apply to complaint 13302892?
This case highlights the importance of the FCRA's dispute resolution process and the potential for ongoing issues if not handled properly by the furnisher. 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 13302892?
Consumers should continue to dispute incorrect information with both the credit bureau and the furnisher of the information, providing documentation of their claims.
Are there state-specific protections for complaint 13302892?
The consumer is located in Rhode Island, and state laws may offer additional protections or avenues for recourse regarding credit reporting disputes. This complaint was filed from Rhode Island.
How does complaint 13302892 compare to industry norms?
This is a common issue within the credit reporting industry, where errors in account information can lead to significant consumer frustration.
What is the typical timeframe for a credit reporting agency to investigate and resolve a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, with an extension to 45 days if the consumer provides additional information after the initial submission.
What steps should a consumer take if their dispute is not resolved satisfactorily?
If a dispute is not resolved satisfactorily, a consumer can file a complaint with the CFPB, the relevant state Attorney General, or consider legal action.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.