Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14383798
Experian Fails to Correct Credit Report Error After Investigation
Complaint Overview
Complaint ID: 14383798
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Pennsylvania
ZIP Code: 19145
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
The company's failure to investigate and correct a reported error suggests potential non-compliance with FCRA dispute resolution requirements, which could lead to further consumer harm or regulatory scrutiny.
Consumer Sentiment: negative
Topics: Credit reporting, FCRA, Dispute resolution
AI Analysis
CFPB complaint 14383798 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Problem with a company's investigation into an existing problem". A consumer reported an error on their Experian credit report that the company's investigation failed to resolve. The complaint was received on June 30, 2025 from Pennsylvania. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communications and disputes, and consider escalating the issue to a regulatory body or seeking legal counsel if the error persists.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate consumer disputes regarding the accuracy of information on their reports within a specified timeframe.
Regulatory Insight
This case highlights the importance of thorough and accurate investigations by credit bureaus, as mandated by the FCRA, and the potential consequences of failing to address consumer-reported inaccuracies.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Pennsylvania, and state-specific consumer protection laws may also apply to credit reporting disputes.
Industry Comparison
Experian, like other major credit bureaus, is subject to strict regulations regarding data accuracy and dispute resolution processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 14383798 about?
CFPB complaint 14383798 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Their investigation did not fix an error on your report". This complaint was filed against Experian Information Solutions Inc. on June 30, 2025.
Which company is complaint 14383798 filed against?
Complaint 14383798 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 14383798?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 14383798 filed?
Complaint 14383798 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 14383798 filed from?
Complaint 14383798 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 14383798?
Dispute information is not available for complaint 14383798.
What product category is complaint 14383798 about?
Complaint 14383798 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 14383798 submitted?
Complaint 14383798 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 14383798?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate consumer disputes regarding the accuracy of information on their reports within a specified timeframe. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Problem with a company's investigation into an existing problem".
How likely is complaint 14383798 to be resolved?
Resolution likelihood: likely. 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 14383798?
This complaint is rated as medium risk. The company's failure to investigate and correct a reported error suggests potential non-compliance with FCRA dispute resolution requirements, which could lead to further consumer harm or regulatory scrutiny.
What regulatory actions apply to complaint 14383798?
This case highlights the importance of thorough and accurate investigations by credit bureaus, as mandated by the FCRA, and the potential consequences of failing to address consumer-reported inaccuracies. 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 14383798?
Consumers should keep detailed records of all communications and disputes, and consider escalating the issue to a regulatory body or seeking legal counsel if the error persists.
Are there state-specific protections for complaint 14383798?
The consumer is located in Pennsylvania, and state-specific consumer protection laws may also apply to credit reporting disputes. This complaint was filed from Pennsylvania.
How does complaint 14383798 compare to industry norms?
Experian, like other major credit bureaus, is subject to strict regulations regarding data accuracy and dispute resolution processes.
What are the consumer's next steps if Experian's explanation does not resolve the issue?
The consumer can file a complaint with the CFPB, the FTC, or their state Attorney General's office. They may also consider consulting with a consumer protection attorney to explore legal options.
What constitutes a 'problem with a company's investigation' under FCRA?
This typically refers to a credit bureau failing to conduct a reasonable investigation into a disputed item, not taking steps to verify the accuracy of the information, or not correcting demonstrably inaccurate information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.