Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16283115
Experian Credit Report Error Closed with Explanation
Complaint Overview
Complaint ID: 16283115
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: North Carolina
ZIP Code: 28348
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
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, Incorrect information, Account information
AI Analysis
CFPB complaint 16283115 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 Experian credit report, which was closed with an explanation. The complaint was received on September 30, 2025 from North Carolina. 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
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports.
Regulatory Insight
Credit bureaus are required to investigate disputes and correct inaccuracies.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in North Carolina.
Industry Comparison
This is a common issue within the credit reporting industry, where errors can occur and require consumer disputes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283115 about?
CFPB complaint 16283115 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 September 30, 2025.
Which company is complaint 16283115 filed against?
Complaint 16283115 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 16283115?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16283115 filed?
Complaint 16283115 was received by the CFPB on September 30, 2025. It was sent to Experian Information Solutions Inc. on September 30, 2025.
What state was complaint 16283115 filed from?
Complaint 16283115 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 16283115?
Dispute information is not available for complaint 16283115.
What product category is complaint 16283115 about?
Complaint 16283115 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 16283115 submitted?
Complaint 16283115 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 16283115?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit 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 16283115 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 16283115?
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 16283115?
Credit bureaus are required to investigate disputes and correct 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 16283115?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 16283115?
The complaint originated in North Carolina. This complaint was filed from North Carolina.
How does complaint 16283115 compare to industry norms?
This is a common issue within the credit reporting industry, where errors can occur and require consumer disputes.
What does 'Closed with explanation' typically mean in the context of a CFPB complaint?
It generally means the company responded to the complaint and provided a reason or resolution, but the consumer may not have fully agreed with it or the issue might be considered resolved from the company's perspective.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.