Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161394
Experian Credit Report Dispute Under Review
Complaint Overview
Complaint ID: 19161394
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: Information is missing that should be on the report
State: Pennsylvania
ZIP Code: 19053
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
Tags: Older American
Risk Assessment
Risk Level: medium
Incorrect or missing information on a credit report can significantly impact a consumer's financial standing, affecting loan approvals and interest rates.
Consumer Sentiment: neutral
Topics: Credit reporting, Consumer reports, Dispute resolution
AI Analysis
CFPB complaint 19161394 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 in Pennsylvania is disputing incorrect or missing information on their Experian credit report, and the complaint is currently in progress. The complaint was received on January 31, 2026 from Pennsylvania. 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) mandates that credit reporting agencies investigate disputes within a reasonable timeframe.
Regulatory Insight
Credit reporting agencies have a legal obligation to ensure the accuracy of the information they report and to correct any errors identified.
Resolution Likelihood
mixed
State-Specific Consumer Protections
Pennsylvania consumers, like others nationwide, are protected by federal laws governing credit reporting accuracy.
Industry Comparison
Disputes over credit report accuracy are common, with consumers frequently seeking corrections for incorrect or missing data.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161394 about?
CFPB complaint 19161394 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information is missing that should be on the report". This complaint was filed against Experian Information Solutions Inc. on January 31, 2026.
Which company is complaint 19161394 filed against?
Complaint 19161394 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 19161394?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19161394 filed?
Complaint 19161394 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 19161394 filed from?
Complaint 19161394 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 19161394?
Dispute information is not available for complaint 19161394.
What product category is complaint 19161394 about?
Complaint 19161394 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 19161394 submitted?
Complaint 19161394 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 19161394?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes within a reasonable timeframe. 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 19161394 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 19161394?
This complaint is rated as medium risk. Incorrect or missing information on a credit report can significantly impact a consumer's financial standing, affecting loan approvals and interest rates.
What regulatory actions apply to complaint 19161394?
Credit reporting agencies have a legal obligation to ensure the accuracy of the information they report and to correct any errors identified. 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 19161394?
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 19161394?
Pennsylvania consumers, like others nationwide, are protected by federal laws governing credit reporting accuracy. This complaint was filed from Pennsylvania.
How does complaint 19161394 compare to industry norms?
Disputes over credit report accuracy are common, with consumers frequently seeking corrections for incorrect or missing data.
What is the typical timeframe for a credit reporting agency to resolve a dispute?
Under the FCRA, agencies generally have 30 days to investigate a dispute, with a possible extension to 45 days if additional information is provided by the consumer.
What happens if Experian fails to resolve the dispute within the required timeframe?
If Experian fails to resolve the dispute appropriately, the consumer may have grounds to file a lawsuit or escalate the complaint to regulatory bodies.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.