Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9987790
Experian Credit Report Contains Incorrect Account Information
Complaint Overview
Complaint ID: 9987790
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 information incorrect
State: California
ZIP Code: 92376
Date Received: 2024-08-31T12:00:00-05:00
Date Sent to Company: 2024-08-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue pertains to incorrect information on a credit report, which is generally resolvable through standard dispute processes.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 9987790 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 information on their Experian credit report, which was closed with an explanation. The complaint was received on August 31, 2024 from California. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and agencies to investigate disputes.
Regulatory Insight
Credit reporting agencies must investigate consumer disputes regarding inaccurate information within a specified timeframe.
Resolution Likelihood
likely
State-Specific Consumer Protections
This complaint was filed in California, a state with its own consumer protection laws that may supplement federal regulations.
Industry Comparison
This is a common issue within the credit reporting industry, where errors in account information can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9987790 about?
CFPB complaint 9987790 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against Experian Information Solutions Inc. on August 31, 2024.
Which company is complaint 9987790 filed against?
Complaint 9987790 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 9987790?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 9987790 filed?
Complaint 9987790 was received by the CFPB on August 31, 2024. It was sent to Experian Information Solutions Inc. on August 31, 2024.
What state was complaint 9987790 filed from?
Complaint 9987790 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 9987790?
Dispute information is not available for complaint 9987790.
What product category is complaint 9987790 about?
Complaint 9987790 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 9987790 submitted?
Complaint 9987790 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 9987790?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and agencies 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 9987790 to be resolved?
Resolution likelihood: likely. 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 9987790?
This complaint is rated as low risk. The risk is low as the issue pertains to incorrect information on a credit report, which is generally resolvable through standard dispute processes.
What regulatory actions apply to complaint 9987790?
Credit reporting agencies must investigate consumer disputes regarding inaccurate information within a specified timeframe. 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 9987790?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit reporting agency.
Are there state-specific protections for complaint 9987790?
This complaint was filed in California, a state with its own consumer protection laws that may supplement federal regulations. This complaint was filed from California.
How does complaint 9987790 compare to industry norms?
This is a common issue within the credit reporting industry, where errors in account information can occur.
What steps should a consumer take if they find incorrect account information on their credit report?
Consumers should first contact the credit reporting agency (Experian in this case) to dispute the information. They should provide documentation to support their claim. If the issue is not resolved, they can file a complaint with the CFPB.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.