Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161297
Experian Faces Dispute Over Incorrect Credit Report Data
Complaint Overview
Complaint ID: 19161297
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: Connecticut
ZIP Code: 06512
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, leading to potential financial harm.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 19161297 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 is disputing incorrect account information on their credit report with Experian, and the complaint is currently in progress. The complaint was received on January 31, 2026 from Connecticut. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information and provides consumers with rights to dispute inaccuracies.
Regulatory Insight
Credit reporting agencies have a legal obligation to investigate disputes within a reasonable timeframe and correct any verified inaccuracies.
Resolution Likelihood
mixed
State-Specific Consumer Protections
Connecticut residents are protected by state laws that may offer additional rights regarding credit reporting beyond federal regulations.
Industry Comparison
This complaint is typical of issues consumers face with credit reporting agencies, where errors in account information can arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161297 about?
CFPB complaint 19161297 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 January 31, 2026.
Which company is complaint 19161297 filed against?
Complaint 19161297 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 19161297?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19161297 filed?
Complaint 19161297 was received by the CFPB on January 31, 2026. It was sent to Experian Information Solutions Inc. on February 1, 2026.
What state was complaint 19161297 filed from?
Complaint 19161297 was filed from Connecticut. You can view all complaints from this state at /state/CT.
Was the consumer satisfied with the resolution of complaint 19161297?
Dispute information is not available for complaint 19161297.
What product category is complaint 19161297 about?
Complaint 19161297 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 19161297 submitted?
Complaint 19161297 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 19161297?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information and provides consumers with rights to dispute inaccuracies. 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 19161297 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19161297?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, leading to potential financial harm.
What regulatory actions apply to complaint 19161297?
Credit reporting agencies have a legal obligation to investigate disputes within a reasonable timeframe and correct any verified inaccuracies. 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 19161297?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Are there state-specific protections for complaint 19161297?
Connecticut residents are protected by state laws that may offer additional rights regarding credit reporting beyond federal regulations. This complaint was filed from Connecticut.
How does complaint 19161297 compare to industry norms?
This complaint is typical of issues consumers face with credit reporting agencies, where errors in account information can arise.
What is the typical timeframe for Experian to resolve a dispute regarding incorrect account information?
Under the FCRA, credit reporting agencies generally have 30 days to investigate and respond to a dispute, with a possible extension to 45 days if new information is provided.
What steps can a consumer take if Experian fails to resolve the incorrect information dispute?
If the dispute is not resolved satisfactorily, the consumer can file a complaint with the CFPB or consider legal action, as well as report the issue to the FTC.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.