Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14383788
Experian Fails to Correct Consumer's Personal Information
Complaint Overview
Complaint ID: 14383788
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: Personal information incorrect
State: Kentucky
ZIP Code: 421XX
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: medium
Incorrect personal information on a credit report can impact a consumer's ability to obtain credit or services, potentially leading to financial harm.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information
AI Analysis
CFPB complaint 14383788 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 personal information on their Experian credit report, which was closed with an explanation. The complaint was received on June 30, 2025 from Kentucky. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for accuracy and dispute any incorrect information with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of information in consumer reports.
Regulatory Insight
Credit reporting agencies have a responsibility to investigate disputes and correct inaccuracies promptly.
Resolution Likelihood
mixed
State-Specific Consumer Protections
Kentucky consumers are protected by federal credit reporting laws, but state-specific consumer protection agencies may offer additional recourse.
Industry Comparison
Experian, like other major credit bureaus, is expected to maintain accurate consumer data.
Related Issues
Frequently Asked Questions
What is CFPB complaint 14383788 about?
CFPB complaint 14383788 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Personal information incorrect". This complaint was filed against Experian Information Solutions Inc. on June 30, 2025.
Which company is complaint 14383788 filed against?
Complaint 14383788 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 14383788?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 14383788 filed?
Complaint 14383788 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 14383788 filed from?
Complaint 14383788 was filed from Kentucky. You can view all complaints from this state at /state/KY.
Was the consumer satisfied with the resolution of complaint 14383788?
Dispute information is not available for complaint 14383788.
What product category is complaint 14383788 about?
Complaint 14383788 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 14383788 submitted?
Complaint 14383788 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 14383788?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of information in consumer reports. 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 14383788 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 14383788?
This complaint is rated as medium risk. Incorrect personal information on a credit report can impact a consumer's ability to obtain credit or services, potentially leading to financial harm.
What regulatory actions apply to complaint 14383788?
Credit reporting agencies have a responsibility to investigate disputes and correct inaccuracies 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 14383788?
Consumers should carefully review their credit reports for accuracy and dispute any incorrect information with the credit reporting agency.
Are there state-specific protections for complaint 14383788?
Kentucky consumers are protected by federal credit reporting laws, but state-specific consumer protection agencies may offer additional recourse. This complaint was filed from Kentucky.
How does complaint 14383788 compare to industry norms?
Experian, like other major credit bureaus, is expected to maintain accurate consumer data.
What steps should a consumer take if Experian fails to correct their personal information after a dispute?
If Experian does not resolve the issue, the consumer can file a complaint with the CFPB and consider consulting with a consumer protection attorney.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.