Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18398418
Experian Credit Report Error Closed with Explanation
Complaint Overview
Complaint ID: 18398418
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: California
ZIP Code: 92591
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-01-01T12:00:00-05:00
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 complaint was closed with an explanation, suggesting the issue was addressed or clarified.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 18398418 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 with Experian, and the issue was closed with an explanation. The complaint was received on December 31, 2025 from California. 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 case falls under the Fair Credit Reporting Act (FCRA), which governs the accuracy and privacy of credit reports.
Regulatory Insight
This highlights the importance of credit bureaus having clear processes for addressing and explaining disputes to consumers.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in California (CA).
Industry Comparison
Credit reporting agencies like Experian are expected to maintain accurate consumer data and resolve disputes efficiently.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398418 about?
CFPB complaint 18398418 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 18398418 filed against?
Complaint 18398418 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 18398418?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18398418 filed?
Complaint 18398418 was received by the CFPB on December 31, 2025. It was sent to Experian Information Solutions Inc. on January 1, 2026.
What state was complaint 18398418 filed from?
Complaint 18398418 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 18398418?
Dispute information is not available for complaint 18398418.
What product category is complaint 18398418 about?
Complaint 18398418 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 18398418 submitted?
Complaint 18398418 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 18398418?
This case falls under the Fair Credit Reporting Act (FCRA), which 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 18398418 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 18398418?
This complaint is rated as low risk. The risk is low as the complaint was closed with an explanation, suggesting the issue was addressed or clarified.
What regulatory actions apply to complaint 18398418?
This highlights the importance of credit bureaus having clear processes for addressing and explaining disputes to consumers. 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 18398418?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 18398418?
The complaint originated in California (CA). This complaint was filed from California.
How does complaint 18398418 compare to industry norms?
Credit reporting agencies like Experian are expected to maintain accurate consumer data and resolve disputes efficiently.
What specific explanation was provided by Experian for closing the complaint?
The provided data does not specify the exact explanation given by Experian. Typically, explanations can range from the information being verified as accurate to the consumer's request being fulfilled.
What steps should the consumer take if they disagree with Experian's explanation?
If the consumer disagrees with the explanation, they can escalate the dispute with Experian, file a complaint with the CFPB, or consult with a consumer protection attorney.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.