Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9149500
Fraudulent Items Persist on Credit Report Despite Partial Resolution
Complaint Overview
Complaint ID: 9149500
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 belongs to someone else
State: Arizona
ZIP Code: 85015
Date Received: 2024-05-31T12:00:00-05:00
Date Sent to Company: 2024-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The consumer's credit report contains fraudulent information that has not been fully removed, indicating a potential ongoing issue with identity theft or data inaccuracies that Experian has not completely resolved.
Consumer Sentiment: negative
Topics: Credit reporting, Fraudulent information, Identity theft
AI Analysis
CFPB complaint 9149500 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 complaining that fraudulent items, despite some previous removals, still remain on their credit report from Experian and is requesting their removal. The complaint was received on May 31, 2024 from Arizona. The company responded with "Closed with explanation".
Consumer Narrative
I am filing this complaint regarding fraudulent items on my credit report. After reviewing my updated report, I noticed that some items have been removed, and I appreciate your action on those. However, some fraudulent items still remain on my report. I request that the three Credit Bureaus remove the following fraudulent items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year>.
What You Should Do -- Consumer Action Plan
Consumers should continue to monitor their credit reports closely and dispute any inaccurate or fraudulent information directly with the credit bureaus and the original creditors.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information on consumer reports.
Regulatory Insight
Credit bureaus have a responsibility to ensure the accuracy of information they report and must take action to remove fraudulent entries when properly identified.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Arizona, and the complaint is being handled through the CFPB's web portal.
Industry Comparison
This issue is common among credit reporting agencies, as identity theft and data inaccuracies are widespread problems.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9149500 about?
CFPB complaint 9149500 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against Experian Information Solutions Inc. on May 31, 2024.
Which company is complaint 9149500 filed against?
Complaint 9149500 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 9149500?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 9149500 filed?
Complaint 9149500 was received by the CFPB on May 31, 2024. It was sent to Experian Information Solutions Inc. on May 31, 2024.
What state was complaint 9149500 filed from?
Complaint 9149500 was filed from Arizona. You can view all complaints from this state at /state/AZ.
Was the consumer satisfied with the resolution of complaint 9149500?
Dispute information is not available for complaint 9149500.
What product category is complaint 9149500 about?
Complaint 9149500 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 9149500 submitted?
Complaint 9149500 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 9149500?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information on consumer reports. 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 9149500 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 9149500?
This complaint is rated as medium risk. The consumer's credit report contains fraudulent information that has not been fully removed, indicating a potential ongoing issue with identity theft or data inaccuracies that Experian has not completely resolved.
What regulatory actions apply to complaint 9149500?
Credit bureaus have a responsibility to ensure the accuracy of information they report and must take action to remove fraudulent entries when properly 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 9149500?
Consumers should continue to monitor their credit reports closely and dispute any inaccurate or fraudulent information directly with the credit bureaus and the original creditors.
Are there state-specific protections for complaint 9149500?
The consumer is located in Arizona, and the complaint is being handled through the CFPB's web portal. This complaint was filed from Arizona.
How does complaint 9149500 compare to industry norms?
This issue is common among credit reporting agencies, as identity theft and data inaccuracies are widespread problems.
What steps should a consumer take if fraudulent items remain on their credit report after an initial dispute?
The consumer should file a secondary dispute with the credit bureau, providing any new evidence. They may also consider filing a police report for identity theft and contacting the FTC.
What is Experian's responsibility in verifying the removal of fraudulent items?
Experian is obligated under the FCRA to conduct a reasonable investigation into the dispute and remove any information that is found to be inaccurate or unverifiable, including fraudulent entries.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.