Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13845718
Experian Accused of Incorrect Account Information on Credit Report
Complaint Overview
Complaint ID: 13845718
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: New Jersey
ZIP Code: 07740
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The complaint involves a single instance of incorrect account information, which is a common issue in credit reporting and typically has a low impact unless it leads to significant financial harm.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 13845718 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 New Jersey consumer reported incorrect account information on their Experian credit report, which was closed with an explanation. The complaint was received on May 31, 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 from all three major bureaus and dispute any inaccuracies promptly with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and bureaus to investigate disputes.
Regulatory Insight
This case highlights the ongoing need for credit bureaus to maintain accurate account information and respond effectively to consumer disputes.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
In New Jersey, consumers have rights under state and federal laws to ensure the accuracy of their credit reports.
Industry Comparison
Incorrect information on credit reports is a frequent issue across the credit reporting industry, affecting many consumers.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13845718 about?
CFPB complaint 13845718 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 May 31, 2025.
Which company is complaint 13845718 filed against?
Complaint 13845718 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 13845718?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13845718 filed?
Complaint 13845718 was received by the CFPB on May 31, 2025. It was sent to Experian Information Solutions Inc. on June 2, 2025.
What state was complaint 13845718 filed from?
Complaint 13845718 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 13845718?
Dispute information is not available for complaint 13845718.
What product category is complaint 13845718 about?
Complaint 13845718 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 13845718 submitted?
Complaint 13845718 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13845718?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and bureaus 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 13845718 to be resolved?
Resolution likelihood: unlikely. 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 13845718?
This complaint is rated as low risk. The complaint involves a single instance of incorrect account information, which is a common issue in credit reporting and typically has a low impact unless it leads to significant financial harm.
What regulatory actions apply to complaint 13845718?
This case highlights the ongoing need for credit bureaus to maintain accurate account information and respond effectively to consumer 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 13845718?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies promptly with the credit reporting agency.
Are there state-specific protections for complaint 13845718?
In New Jersey, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from New Jersey.
How does complaint 13845718 compare to industry norms?
Incorrect information on credit reports is a frequent issue across the credit reporting industry, affecting many consumers.
What is the typical process for disputing incorrect account information on a credit report?
Consumers can dispute inaccuracies directly with the credit reporting agency (Experian, Equifax, or TransUnion) or with the company that provided the information to the bureau. The agency must investigate the dispute within a reasonable time, usually 30 days.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.