Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15634834
Experian Accused of Incorrect Credit Report Status
Complaint Overview
Complaint ID: 15634834
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 status incorrect
State: Michigan
ZIP Code: 48224
Date Received: 2025-08-31T12:00:00-05:00
Date Sent to Company: 2025-08-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect account status on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Account status
AI Analysis
CFPB complaint 15634834 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 status information on their credit report with Experian Information Solutions Inc. The complaint was received on August 31, 2025 from Michigan. 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 errors with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies accurately report consumer information and investigate disputes.
Regulatory Insight
Credit reporting agencies have a responsibility to ensure the accuracy of the information they provide, including account status.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This issue is relevant to consumers in Michigan who may have inaccuracies on their credit reports.
Industry Comparison
Credit reporting agencies are generally expected to maintain accurate records, and errors can lead to significant consumer harm.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634834 about?
CFPB complaint 15634834 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against Experian Information Solutions Inc. on August 31, 2025.
Which company is complaint 15634834 filed against?
Complaint 15634834 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 15634834?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15634834 filed?
Complaint 15634834 was received by the CFPB on August 31, 2025. It was sent to Experian Information Solutions Inc. on August 31, 2025.
What state was complaint 15634834 filed from?
Complaint 15634834 was filed from Michigan. You can view all complaints from this state at /state/MI.
Was the consumer satisfied with the resolution of complaint 15634834?
Dispute information is not available for complaint 15634834.
What product category is complaint 15634834 about?
Complaint 15634834 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 15634834 submitted?
Complaint 15634834 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 15634834?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies accurately report consumer information and investigate disputes. 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 15634834 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 15634834?
This complaint is rated as medium risk. Incorrect account status on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing.
What regulatory actions apply to complaint 15634834?
Credit reporting agencies have a responsibility to ensure the accuracy of the information they provide, including account status. 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 15634834?
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit reporting agency.
Are there state-specific protections for complaint 15634834?
This issue is relevant to consumers in Michigan who may have inaccuracies on their credit reports. This complaint was filed from Michigan.
How does complaint 15634834 compare to industry norms?
Credit reporting agencies are generally expected to maintain accurate records, and errors can lead to significant consumer harm.
What steps should a consumer take if they find incorrect account status information on their credit report?
The consumer should first dispute the incorrect information directly with Experian, providing any supporting documentation. If the issue is not resolved, they can file a complaint with the CFPB.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.