Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19874304
Experian Credit Report Dispute Over Incorrect Account Information
Complaint Overview
Complaint ID: 19874304
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: South Carolina
ZIP Code: 29681
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-01T12:00:00-05:00
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, loans, or housing, and may require significant effort to correct.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 19874304 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 February 28, 2026 from South Carolina. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should carefully 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
This complaint originates from South Carolina, and state-specific consumer protection laws may also apply.
Industry Comparison
Disputes over incorrect account information are common in the credit reporting industry, affecting major bureaus like Experian.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874304 about?
CFPB complaint 19874304 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 February 28, 2026.
Which company is complaint 19874304 filed against?
Complaint 19874304 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 19874304?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19874304 filed?
Complaint 19874304 was received by the CFPB on February 28, 2026. It was sent to Experian Information Solutions Inc. on March 1, 2026.
What state was complaint 19874304 filed from?
Complaint 19874304 was filed from South Carolina. You can view all complaints from this state at /state/SC.
Was the consumer satisfied with the resolution of complaint 19874304?
Dispute information is not available for complaint 19874304.
What product category is complaint 19874304 about?
Complaint 19874304 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 19874304 submitted?
Complaint 19874304 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 19874304?
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 19874304 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 19874304?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing, and may require significant effort to correct.
What regulatory actions apply to complaint 19874304?
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 19874304?
Consumers should carefully review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Are there state-specific protections for complaint 19874304?
This complaint originates from South Carolina, and state-specific consumer protection laws may also apply. This complaint was filed from South Carolina.
How does complaint 19874304 compare to industry norms?
Disputes over incorrect account information are common in the credit reporting industry, affecting major bureaus like Experian.
What is the typical timeframe for Experian to resolve a dispute about incorrect account information?
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.
What steps should a consumer take if Experian fails to resolve the dispute correctly?
If the dispute is not resolved to the consumer's satisfaction, they can file a complaint with the CFPB or consider legal action, as well as report the issue to other credit bureaus.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.