Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9390223
Experian Corrects Credit Report Error After Consumer Complaint
Complaint Overview
Complaint ID: 9390223
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: Virginia
ZIP Code: 23509
Date Received: 2024-06-30T12:00:00-05:00
Date Sent to Company: 2024-06-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue was resolved with non-monetary relief, indicating a minor error rather than a systemic problem.
Consumer Sentiment: neutral
Topics: Credit Reporting, Incorrect Information, Account Status
AI Analysis
CFPB complaint 9390223 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, which was resolved with non-monetary relief. The complaint was received on June 30, 2024 from Virginia. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information.
Regulatory Insight
This case highlights the importance of FCRA compliance and the process for addressing consumer disputes regarding credit report accuracy.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Virginia, consumers have the right to dispute credit report errors and seek resolution through reporting agencies.
Industry Comparison
This is a common issue within the credit reporting industry, where errors can occur and require correction.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9390223 about?
CFPB complaint 9390223 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 June 30, 2024.
Which company is complaint 9390223 filed against?
Complaint 9390223 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 9390223?
Experian Information Solutions Inc. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9390223 filed?
Complaint 9390223 was received by the CFPB on June 30, 2024. It was sent to Experian Information Solutions Inc. on June 30, 2024.
What state was complaint 9390223 filed from?
Complaint 9390223 was filed from Virginia. You can view all complaints from this state at /state/VA.
Was the consumer satisfied with the resolution of complaint 9390223?
Dispute information is not available for complaint 9390223.
What product category is complaint 9390223 about?
Complaint 9390223 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 9390223 submitted?
Complaint 9390223 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 9390223?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate 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 9390223 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 9390223?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a minor error rather than a systemic problem.
What regulatory actions apply to complaint 9390223?
This case highlights the importance of FCRA compliance and the process for addressing consumer disputes regarding credit report accuracy. 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 9390223?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 9390223?
In Virginia, consumers have the right to dispute credit report errors and seek resolution through reporting agencies. This complaint was filed from Virginia.
How does complaint 9390223 compare to industry norms?
This is a common issue within the credit reporting industry, where errors can occur and require correction.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction of inaccurate information on the credit report, such as updating an account status, rather than financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.