Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16283148
Experian Credit Report Error Closed with Explanation
Complaint Overview
Complaint ID: 16283148
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: Florida
ZIP Code: 33511
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 resolved and closed with an explanation, indicating a potential error that was addressed.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 16283148 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 to Experian, which was closed with an explanation. The complaint was received on September 30, 2025 from Florida. 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 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 inaccuracies, and closing with an explanation suggests this process occurred.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Florida, and the resolution was handled by Experian Information Solutions Inc.
Industry Comparison
Credit reporting agencies like Experian are expected to maintain accurate consumer data, and disputes are a common part of this process.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283148 about?
CFPB complaint 16283148 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 16283148 filed against?
Complaint 16283148 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 16283148?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16283148 filed?
Complaint 16283148 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 16283148 filed from?
Complaint 16283148 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 16283148?
Dispute information is not available for complaint 16283148.
What product category is complaint 16283148 about?
Complaint 16283148 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 16283148 submitted?
Complaint 16283148 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 16283148?
This 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 16283148 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 16283148?
This complaint is rated as low risk. The risk is low as the issue was resolved and closed with an explanation, indicating a potential error that was addressed.
What regulatory actions apply to complaint 16283148?
Credit bureaus are required to investigate disputes and correct inaccuracies, and closing with an explanation suggests 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 16283148?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 16283148?
The complaint originated in Florida, and the resolution was handled by Experian Information Solutions Inc. This complaint was filed from Florida.
How does complaint 16283148 compare to industry norms?
Credit reporting agencies like Experian are expected to maintain accurate consumer data, and disputes are a common part of this process.
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 justification for their actions, and the CFPB found this explanation satisfactory to close the case.
What steps should a consumer take if they find incorrect account information on their credit report?
First, dispute the information directly with the credit bureau (Experian in this case) and the furnisher of the information. If unresolved, file a complaint with the CFPB.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.