Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8900410
Old Debt Reappears on Credit Report Despite Being Outdated
Complaint Overview
Complaint ID: 8900410
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: Old information reappears or never goes away
State: Indiana
ZIP Code: 46151
Date Received: 2024-04-30T12:00:00-05:00
Date Sent to Company: 2024-04-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The reappearance of old information on a credit report can negatively impact a consumer's credit score and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit Reporting, FCRA, Inaccurate Information
AI Analysis
CFPB complaint 8900410 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 that old information reappeared on their credit report after it should have been removed. The complaint was received on April 30, 2024 from Indiana. The company responded with "Closed with non-monetary relief".
Consumer Narrative
Was not removed from my credit report
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect or outdated information with the credit bureaus.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information.
Regulatory Insight
Credit bureaus are required to investigate disputes and remove inaccurate or obsolete information from reports.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Indiana, consumers have the right to access their credit reports and dispute inaccuracies.
Industry Comparison
This issue is common across all major credit reporting agencies, including Experian, Equifax, and TransUnion.
Related Issues
Frequently Asked Questions
What is CFPB complaint 8900410 about?
CFPB complaint 8900410 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Old information reappears or never goes away". This complaint was filed against Experian Information Solutions Inc. on April 30, 2024.
Which company is complaint 8900410 filed against?
Complaint 8900410 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 8900410?
Experian Information Solutions Inc. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 8900410 filed?
Complaint 8900410 was received by the CFPB on April 30, 2024. It was sent to Experian Information Solutions Inc. on April 30, 2024.
What state was complaint 8900410 filed from?
Complaint 8900410 was filed from Indiana. You can view all complaints from this state at /state/IN.
Was the consumer satisfied with the resolution of complaint 8900410?
Dispute information is not available for complaint 8900410.
What product category is complaint 8900410 about?
Complaint 8900410 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 8900410 submitted?
Complaint 8900410 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 8900410?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information. 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 8900410 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 8900410?
This complaint is rated as medium risk. The reappearance of old information on a credit report can negatively impact a consumer's credit score and ability to obtain credit.
What regulatory actions apply to complaint 8900410?
Credit bureaus are required to investigate disputes and remove inaccurate or obsolete information from reports. 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 8900410?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect or outdated information with the credit bureaus.
Are there state-specific protections for complaint 8900410?
In Indiana, consumers have the right to access their credit reports and dispute inaccuracies. This complaint was filed from Indiana.
How does complaint 8900410 compare to industry norms?
This issue is common across all major credit reporting agencies, including Experian, Equifax, and TransUnion.
What is the typical timeframe for information to be removed from a credit report?
Generally, negative information like late payments or collections can remain on a credit report for up to seven years, while bankruptcies can stay for up to ten years.
What steps can a consumer take if old information reappears on their report?
The consumer should immediately dispute the information with the credit reporting agency and provide any supporting documentation to prove it should have been removed.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.