Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18398255
Experian Fails to Correct Credit Report Error After Investigation
Complaint Overview
Complaint ID: 18398255
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Maryland
ZIP Code: 21040
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2025-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The company's failure to investigate and correct a reported error could lead to ongoing inaccuracies on the consumer's credit report, potentially impacting future credit applications.
Consumer Sentiment: negative
Topics: Credit reporting, Dispute resolution, FCRA
AI Analysis
CFPB complaint 18398255 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Problem with a company's investigation into an existing problem". A consumer reported an error on their Experian credit report that the company's investigation failed to resolve. The complaint was received on December 31, 2025 from Maryland. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communications and documentation related to the error and the investigation, and consider escalating the complaint if the issue persists.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding the accuracy of information on a consumer's report.
Regulatory Insight
This case highlights the importance of the FCRA's requirement for thorough and accurate investigations by credit bureaus when consumers dispute information.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Maryland, and state-specific consumer protection laws may also apply to credit reporting disputes.
Industry Comparison
Credit reporting agencies are expected to have robust dispute resolution processes, and failure to correct errors is a common point of consumer frustration.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398255 about?
CFPB complaint 18398255 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Their investigation did not fix an error on your report". This complaint was filed against Experian Information Solutions Inc. on December 31, 2025.
Which company is complaint 18398255 filed against?
Complaint 18398255 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 18398255?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18398255 filed?
Complaint 18398255 was received by the CFPB on December 31, 2025. It was sent to Experian Information Solutions Inc. on December 31, 2025.
What state was complaint 18398255 filed from?
Complaint 18398255 was filed from Maryland. You can view all complaints from this state at /state/MD.
Was the consumer satisfied with the resolution of complaint 18398255?
Dispute information is not available for complaint 18398255.
What product category is complaint 18398255 about?
Complaint 18398255 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 18398255 submitted?
Complaint 18398255 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 18398255?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding the accuracy of information on a consumer's report. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Problem with a company's investigation into an existing problem".
How likely is complaint 18398255 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 18398255?
This complaint is rated as medium risk. The company's failure to investigate and correct a reported error could lead to ongoing inaccuracies on the consumer's credit report, potentially impacting future credit applications.
What regulatory actions apply to complaint 18398255?
This case highlights the importance of the FCRA's requirement for thorough and accurate investigations by credit bureaus when consumers dispute information. 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 18398255?
Consumers should keep detailed records of all communications and documentation related to the error and the investigation, and consider escalating the complaint if the issue persists.
Are there state-specific protections for complaint 18398255?
The consumer is located in Maryland, and state-specific consumer protection laws may also apply to credit reporting disputes. This complaint was filed from Maryland.
How does complaint 18398255 compare to industry norms?
Credit reporting agencies are expected to have robust dispute resolution processes, and failure to correct errors is a common point of consumer frustration.
What are the consumer's next steps if Experian's explanation is unsatisfactory?
The consumer can file a complaint with the CFPB, report the issue to the Consumer Financial Protection Bureau, or consider legal action if significant damages have occurred.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.