Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14383691
Experian's Inaccurate Credit Reporting Persists, Causing Consumer Distress
Complaint Overview
Complaint ID: 14383691
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: Virginia
ZIP Code: 22193
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: high
The recurring and unresolved nature of the inaccurate information, despite the consumer's efforts, indicates a high likelihood of continued negative impact on the consumer's creditworthiness and well-being.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Consumer rights
AI Analysis
CFPB complaint 14383691 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 is experiencing ongoing frustration with Experian due to persistent inaccuracies on their credit report, which is negatively impacting their credit score and quality of life. The complaint was received on June 30, 2025 from Virginia. The company responded with "Closed with explanation".
Consumer Narrative
I regularly monitor my credit report because my credit score is important to me, yet I continue to see inaccurate and false information. This has been a recurring issue that remains unresolved, despite my repeated efforts to have it corrected. Its incredibly stressful and exhausting, and its unfairly damaging both my credit score and my quality of life.
What You Should Do -- Consumer Action Plan
Consumers should meticulously document all communications and disputes with credit bureaus, and consider sending certified letters to ensure a clear record of their efforts to correct inaccuracies.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit bureaus investigate disputes and correct inaccurate information in a timely manner.
Regulatory Insight
Credit bureaus have a legal obligation to ensure the accuracy of the information they report and to investigate consumer disputes promptly.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The consumer resides in Virginia, and state-specific consumer protection laws may offer additional recourse or rights.
Industry Comparison
Experian, like other major credit bureaus, faces scrutiny for the accuracy and timeliness of its reporting, with many consumers reporting similar issues.
Related Issues
Frequently Asked Questions
What is CFPB complaint 14383691 about?
CFPB complaint 14383691 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 14383691 filed against?
Complaint 14383691 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 14383691?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 14383691 filed?
Complaint 14383691 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 14383691 filed from?
Complaint 14383691 was filed from Virginia. You can view all complaints from this state at /state/VA.
Was the consumer satisfied with the resolution of complaint 14383691?
Dispute information is not available for complaint 14383691.
What product category is complaint 14383691 about?
Complaint 14383691 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 14383691 submitted?
Complaint 14383691 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 14383691?
The Fair Credit Reporting Act (FCRA) mandates that credit bureaus investigate disputes and correct inaccurate information in a timely manner. 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 14383691 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 14383691?
This complaint is rated as high risk. The recurring and unresolved nature of the inaccurate information, despite the consumer's efforts, indicates a high likelihood of continued negative impact on the consumer's creditworthiness and well-being.
What regulatory actions apply to complaint 14383691?
Credit bureaus have a legal obligation to ensure the accuracy of the information they report and to investigate consumer disputes promptly. 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 14383691?
Consumers should meticulously document all communications and disputes with credit bureaus, and consider sending certified letters to ensure a clear record of their efforts to correct inaccuracies.
Are there state-specific protections for complaint 14383691?
The consumer resides in Virginia, and state-specific consumer protection laws may offer additional recourse or rights. This complaint was filed from Virginia.
How does complaint 14383691 compare to industry norms?
Experian, like other major credit bureaus, faces scrutiny for the accuracy and timeliness of its reporting, with many consumers reporting similar issues.
What steps can a consumer take if a credit bureau fails to correct inaccurate information after multiple disputes?
If a credit bureau fails to resolve disputes, a consumer can file a complaint with the CFPB, the FTC, or consult with an attorney to explore legal options, including potential lawsuits under the FCRA.
How can a consumer proactively protect their credit from ongoing inaccuracies?
Regularly monitoring credit reports from all three bureaus, placing fraud alerts or security freezes, and maintaining detailed records of all communications and disputes are crucial proactive measures.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.