Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14383681
Experian Credit Report Error Closed with Explanation
Complaint Overview
Complaint ID: 14383681
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: 07055
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
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 closed with an explanation, suggesting it was addressed by the credit bureau.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 14383681 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 with Experian, which was closed with an explanation. The complaint was received on June 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 accuracy and dispute any incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information.
Regulatory Insight
This case highlights the importance of credit bureaus having clear processes for addressing and explaining consumer disputes.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originated in New Jersey, indicating a specific geographic location for this consumer's issue.
Industry Comparison
Credit reporting agencies are expected to maintain accurate records and address consumer concerns efficiently.
Related Issues
Frequently Asked Questions
What is CFPB complaint 14383681 about?
CFPB complaint 14383681 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 June 30, 2025.
Which company is complaint 14383681 filed against?
Complaint 14383681 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 14383681?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 14383681 filed?
Complaint 14383681 was received by the CFPB on June 30, 2025. It was sent to Experian Information Solutions Inc. on June 30, 2025.
What state was complaint 14383681 filed from?
Complaint 14383681 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 14383681?
Dispute information is not available for complaint 14383681.
What product category is complaint 14383681 about?
Complaint 14383681 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 14383681 submitted?
Complaint 14383681 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 14383681?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate 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 14383681 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 14383681?
This complaint is rated as low risk. The risk is low as the issue was closed with an explanation, suggesting it was addressed by the credit bureau.
What regulatory actions apply to complaint 14383681?
This case highlights the importance of credit bureaus having clear processes for addressing and explaining 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 14383681?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 14383681?
The complaint originated in New Jersey, indicating a specific geographic location for this consumer's issue. This complaint was filed from New Jersey.
How does complaint 14383681 compare to industry norms?
Credit reporting agencies are expected to maintain accurate records and address consumer concerns efficiently.
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, which the consumer may or may not have found satisfactory, but the CFPB has closed the case based on the company's action.
What steps should a consumer take if they find incorrect account information on their Experian report?
The consumer should file a dispute directly with Experian, providing documentation to support their claim. They can also file a complaint with the CFPB if the issue is not resolved.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.