Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14634444
Experian Credit Report Error Closed with Explanation
Complaint Overview
Complaint ID: 14634444
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: Pennsylvania
ZIP Code: 16866
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-07-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue was addressed and closed with an explanation, suggesting a resolution was provided.
Consumer Sentiment: neutral
Topics: Credit Reporting, Experian, Incorrect Information
AI Analysis
CFPB complaint 14634444 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 Pennsylvania. 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
This case falls under the Fair Credit Reporting Act (FCRA), which governs the accuracy and privacy of credit reporting.
Regulatory Insight
Credit bureaus are required to investigate disputes and correct inaccurate information, and 'closed with explanation' often indicates this process occurred.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Pennsylvania, and state laws may also offer protections regarding credit reporting.
Industry Comparison
Credit reporting agencies like Experian are generally expected to maintain accurate consumer data, and errors can lead to regulatory scrutiny.
Related Issues
Frequently Asked Questions
What is CFPB complaint 14634444 about?
CFPB complaint 14634444 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 14634444 filed against?
Complaint 14634444 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 14634444?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 14634444 filed?
Complaint 14634444 was received by the CFPB on June 30, 2025. It was sent to Experian Information Solutions Inc. on July 14, 2025.
What state was complaint 14634444 filed from?
Complaint 14634444 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 14634444?
Dispute information is not available for complaint 14634444.
What product category is complaint 14634444 about?
Complaint 14634444 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 14634444 submitted?
Complaint 14634444 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 14634444?
This case falls under the Fair Credit Reporting Act (FCRA), which governs the accuracy and privacy of credit reporting. 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 14634444 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 14634444?
This complaint is rated as low risk. The risk is low as the issue was addressed and closed with an explanation, suggesting a resolution was provided.
What regulatory actions apply to complaint 14634444?
Credit bureaus are required to investigate disputes and correct inaccurate information, and 'closed with explanation' often indicates this process occurred. 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 14634444?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 14634444?
The complaint originated in Pennsylvania, and state laws may also offer protections regarding credit reporting. This complaint was filed from Pennsylvania.
How does complaint 14634444 compare to industry norms?
Credit reporting agencies like Experian are generally expected to maintain accurate consumer data, and errors can lead to regulatory scrutiny.
What does 'closed with explanation' typically mean in the context of a CFPB credit reporting complaint?
It generally signifies that the credit reporting agency investigated the consumer's dispute and provided a response or explanation for the outcome, which may include corrections or confirmation of accuracy.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.