Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16961613
Experian Accused of Willful Reporting of Inaccurate Credit Data Despite Disputes
Complaint Overview
Complaint ID: 16961613
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Pennsylvania
ZIP Code: 19067
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-10-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
The repeated reporting of inaccurate information after disputes, coupled with specific legal citations (FCRA, FDCPA), indicates a high risk of regulatory scrutiny and potential legal action.
Consumer Sentiment: negative
Topics: Credit reporting, FCRA violations, FDCPA violations, Inaccurate information
AI Analysis
CFPB complaint 16961613 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer alleges Experian Information Solutions Inc. is willfully reporting inaccurate and unverifiable information on their credit report despite multiple dispute attempts, violating FCRA and FDCPA. The complaint was received on October 31, 2025 from Pennsylvania. The company responded with "Closed with explanation".
Consumer Narrative
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communications and disputes with credit bureaus, including dates, methods, and copies of all submitted documents.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) govern the accuracy and dispute resolution processes for credit reporting.
Regulatory Insight
Credit bureaus have a legal obligation to investigate disputes and correct inaccurate information, and failure to do so can result in significant penalties.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originates from Pennsylvania (PA).
Industry Comparison
This situation is common among credit reporting agencies, highlighting ongoing challenges in maintaining data accuracy and consumer dispute resolution.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16961613 about?
CFPB complaint 16961613 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against Experian Information Solutions Inc. on October 31, 2025.
Which company is complaint 16961613 filed against?
Complaint 16961613 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 16961613?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16961613 filed?
Complaint 16961613 was received by the CFPB on October 31, 2025. It was sent to Experian Information Solutions Inc. on October 31, 2025.
What state was complaint 16961613 filed from?
Complaint 16961613 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 16961613?
Dispute information is not available for complaint 16961613.
What product category is complaint 16961613 about?
Complaint 16961613 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 16961613 submitted?
Complaint 16961613 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 16961613?
The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) govern the accuracy and dispute resolution processes for credit reporting. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Improper use of your report".
How likely is complaint 16961613 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 16961613?
This complaint is rated as high risk. The repeated reporting of inaccurate information after disputes, coupled with specific legal citations (FCRA, FDCPA), indicates a high risk of regulatory scrutiny and potential legal action.
What regulatory actions apply to complaint 16961613?
Credit bureaus have a legal obligation to investigate disputes and correct inaccurate information, and failure to do so can result in significant penalties. 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 16961613?
Consumers should keep detailed records of all communications and disputes with credit bureaus, including dates, methods, and copies of all submitted documents.
Are there state-specific protections for complaint 16961613?
The complaint originates from Pennsylvania (PA). This complaint was filed from Pennsylvania.
How does complaint 16961613 compare to industry norms?
This situation is common among credit reporting agencies, highlighting ongoing challenges in maintaining data accuracy and consumer dispute resolution.
What specific actions can the CFPB take if Experian is found to be in violation?
The CFPB can take enforcement actions, including imposing fines, requiring corrective actions, and potentially referring the case for further legal proceedings.
How long does a credit reporting agency typically have to investigate a dispute under FCRA?
Under FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides new information during that period) to investigate a dispute and respond.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.