Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9684961
Experian Addresses Reappearing Old Credit Report Information
Complaint Overview
Complaint ID: 9684961
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: California
ZIP Code: 90066
Date Received: 2024-07-31T12:00:00-05:00
Date Sent to Company: 2024-07-31T12:00:00-05:00
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 procedural or data correction rather than a systemic failure.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Outdated information
AI Analysis
CFPB complaint 9684961 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, which Experian resolved with non-monetary relief. The complaint was received on July 31, 2024 from California. 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Consumers should regularly review their credit reports for accuracy and dispute any incorrect or outdated information that reappears.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain and to investigate disputes.
Regulatory Insight
This case highlights the importance of ongoing data integrity checks by credit bureaus to prevent the re-emergence of outdated or inaccurate consumer information.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in California, a state with robust consumer protection laws that may offer additional recourse.
Industry Comparison
This is a common issue in the credit reporting industry, where data management and accuracy are ongoing challenges.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9684961 about?
CFPB complaint 9684961 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 July 31, 2024.
Which company is complaint 9684961 filed against?
Complaint 9684961 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 9684961?
Experian Information Solutions Inc. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9684961 filed?
Complaint 9684961 was received by the CFPB on July 31, 2024. It was sent to Experian Information Solutions Inc. on July 31, 2024.
What state was complaint 9684961 filed from?
Complaint 9684961 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 9684961?
Dispute information is not available for complaint 9684961.
What product category is complaint 9684961 about?
Complaint 9684961 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 9684961 submitted?
Complaint 9684961 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 9684961?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain and to investigate disputes. 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 9684961 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 9684961?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a procedural or data correction rather than a systemic failure.
What regulatory actions apply to complaint 9684961?
This case highlights the importance of ongoing data integrity checks by credit bureaus to prevent the re-emergence of outdated or inaccurate consumer information. 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 9684961?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect or outdated information that reappears.
Are there state-specific protections for complaint 9684961?
The complaint originated in California, a state with robust consumer protection laws that may offer additional recourse. This complaint was filed from California.
How does complaint 9684961 compare to industry norms?
This is a common issue in the credit reporting industry, where data management and accuracy are ongoing challenges.
What constitutes 'non-monetary relief' in credit reporting disputes?
Non-monetary relief typically involves the correction of inaccurate information on a credit report, removal of erroneous entries, or an investigation into the consumer's dispute, rather than financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.