Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19874012
Experian Accused of Incorrect Credit Report Account Status
Complaint Overview
Complaint ID: 19874012
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 status incorrect
State: Mississippi
ZIP Code: 39465
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-02-28T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect account status can significantly impact a consumer's credit score, affecting their ability to obtain loans, housing, or employment.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account status
AI Analysis
CFPB complaint 19874012 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 status information on their credit report to Experian Information Solutions Inc., and the complaint is currently in progress. The complaint was received on February 28, 2026 from Mississippi. 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 incorrect information with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer reports and to investigate disputes.
Regulatory Insight
Credit reporting agencies have a responsibility to maintain accurate records and promptly correct errors when identified.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This complaint was filed in Mississippi, and state laws may also offer protections regarding credit reporting accuracy.
Industry Comparison
Disputes over incorrect account status are common in the credit reporting industry, highlighting the need for robust verification processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874012 about?
CFPB complaint 19874012 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against Experian Information Solutions Inc. on February 28, 2026.
Which company is complaint 19874012 filed against?
Complaint 19874012 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 19874012?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19874012 filed?
Complaint 19874012 was received by the CFPB on February 28, 2026. It was sent to Experian Information Solutions Inc. on February 28, 2026.
What state was complaint 19874012 filed from?
Complaint 19874012 was filed from Mississippi. You can view all complaints from this state at /state/MS.
Was the consumer satisfied with the resolution of complaint 19874012?
Dispute information is not available for complaint 19874012.
What product category is complaint 19874012 about?
Complaint 19874012 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 19874012 submitted?
Complaint 19874012 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 19874012?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer reports and to investigate disputes. 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 19874012 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 19874012?
This complaint is rated as medium risk. Incorrect account status can significantly impact a consumer's credit score, affecting their ability to obtain loans, housing, or employment.
What regulatory actions apply to complaint 19874012?
Credit reporting agencies have a responsibility to maintain accurate records and promptly correct errors when 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 19874012?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 19874012?
This complaint was filed in Mississippi, and state laws may also offer protections regarding credit reporting accuracy. This complaint was filed from Mississippi.
How does complaint 19874012 compare to industry norms?
Disputes over incorrect account status are common in the credit reporting industry, highlighting the need for robust verification processes.
What is the typical timeframe for Experian to resolve an incorrect account status dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, with a possible extension to 45 days if additional information is provided by the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.