Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20802618
Experian Accused of Inaccurate Public Record Data on Credit Report
Complaint Overview
Complaint ID: 20802618
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: Public record information inaccurate
State: Texas
ZIP Code: 76015
Date Received: 2026-03-31T12:00:00-05:00
Date Sent to Company: 2026-03-31T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Inaccurate public record information can significantly impact a consumer's credit score and ability to obtain credit, making this a moderately risky issue.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Public records
AI Analysis
CFPB complaint 20802618 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 Texas is disputing inaccurate public record information on their Experian credit report, and the complaint is currently in progress. The complaint was received on March 31, 2026 from Texas. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for inaccuracies and dispute any incorrect information with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they report.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes regarding public record information and correct any errors found.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This complaint originates from Texas, a state with consumer protection laws that may offer additional recourse.
Industry Comparison
Disputes over inaccurate public record information are a common issue across the credit reporting industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20802618 about?
CFPB complaint 20802618 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Public record information inaccurate". This complaint was filed against Experian Information Solutions Inc. on March 31, 2026.
Which company is complaint 20802618 filed against?
Complaint 20802618 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 20802618?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20802618 filed?
Complaint 20802618 was received by the CFPB on March 31, 2026. It was sent to Experian Information Solutions Inc. on March 31, 2026.
What state was complaint 20802618 filed from?
Complaint 20802618 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 20802618?
Dispute information is not available for complaint 20802618.
What product category is complaint 20802618 about?
Complaint 20802618 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 20802618 submitted?
Complaint 20802618 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 20802618?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they report. 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 20802618 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 20802618?
This complaint is rated as medium risk. Inaccurate public record information can significantly impact a consumer's credit score and ability to obtain credit, making this a moderately risky issue.
What regulatory actions apply to complaint 20802618?
Credit bureaus have a responsibility to investigate disputes regarding public record information and correct any errors found. 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 20802618?
Consumers should regularly review their credit reports for inaccuracies and dispute any incorrect information with the credit reporting agency.
Are there state-specific protections for complaint 20802618?
This complaint originates from Texas, a state with consumer protection laws that may offer additional recourse. This complaint was filed from Texas.
How does complaint 20802618 compare to industry norms?
Disputes over inaccurate public record information are a common issue across the credit reporting industry.
What steps should a consumer take if Experian fails to correct the inaccurate public record information?
If Experian does not resolve the issue, the consumer can file a complaint with the CFPB and potentially consult with a consumer protection attorney.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.