Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18398263
Experian Credit Report Contains Incorrect Account Information
Complaint Overview
Complaint ID: 18398263
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: Mississippi
ZIP Code: 38614
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: low
The risk is low as the issue pertains to incorrect data on a credit report, which is generally correctable through dispute processes.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information
AI Analysis
CFPB complaint 18398263 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 December 31, 2025 from Mississippi. 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 with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports.
Regulatory Insight
Credit reporting agencies must investigate disputes within a reasonable timeframe, typically 30 days.
Resolution Likelihood
likely
State-Specific Consumer Protections
While this complaint is from Mississippi, the principles of credit reporting accuracy apply nationwide.
Industry Comparison
This is a common issue across all major credit bureaus, affecting many consumers.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398263 about?
CFPB complaint 18398263 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 December 31, 2025.
Which company is complaint 18398263 filed against?
Complaint 18398263 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 18398263?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18398263 filed?
Complaint 18398263 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 18398263 filed from?
Complaint 18398263 was filed from Mississippi. You can view all complaints from this state at /state/MS.
Was the consumer satisfied with the resolution of complaint 18398263?
Dispute information is not available for complaint 18398263.
What product category is complaint 18398263 about?
Complaint 18398263 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 18398263 submitted?
Complaint 18398263 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 18398263?
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 18398263 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 18398263?
This complaint is rated as low risk. The risk is low as the issue pertains to incorrect data on a credit report, which is generally correctable through dispute processes.
What regulatory actions apply to complaint 18398263?
Credit reporting agencies must investigate disputes within a reasonable timeframe, typically 30 days. 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 18398263?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit bureau.
Are there state-specific protections for complaint 18398263?
While this complaint is from Mississippi, the principles of credit reporting accuracy apply nationwide. This complaint was filed from Mississippi.
How does complaint 18398263 compare to industry norms?
This is a common issue across all major credit bureaus, affecting many consumers.
What steps should a consumer take if they find incorrect account information on their credit report?
The consumer should first dispute the incorrect information directly with the credit reporting agency (Experian in this case) and provide 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.