Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9987816
Experian Explains Reappearing Old Credit Report Data as System Glitch
Complaint Overview
Complaint ID: 9987816
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: North Carolina
ZIP Code: 27505
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 was attributed to a system error and not a pattern of deliberate misreporting.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Outdated information
AI Analysis
CFPB complaint 9987816 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 stated was due to a system error. The complaint was received on August 31, 2024 from North Carolina. 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Consumers should regularly review their credit reports for accuracy and dispute any outdated or incorrect information that reappears.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.
Regulatory Insight
This case highlights the importance of robust quality control measures within credit reporting agencies to prevent systemic errors.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint was filed in North Carolina, but the issue is national in scope for credit reporting.
Industry Comparison
This is a common issue in the credit reporting industry, where outdated information can sometimes resurface due to data processing errors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9987816 about?
CFPB complaint 9987816 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 August 31, 2024.
Which company is complaint 9987816 filed against?
Complaint 9987816 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 9987816?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 9987816 filed?
Complaint 9987816 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 9987816 filed from?
Complaint 9987816 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 9987816?
Dispute information is not available for complaint 9987816.
What product category is complaint 9987816 about?
Complaint 9987816 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 9987816 submitted?
Complaint 9987816 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 9987816?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain. 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 9987816 to be resolved?
Resolution likelihood: unlikely. 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 9987816?
This complaint is rated as low risk. The risk is low as the issue was attributed to a system error and not a pattern of deliberate misreporting.
What regulatory actions apply to complaint 9987816?
This case highlights the importance of robust quality control measures within credit reporting agencies to prevent systemic errors. 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 9987816?
Consumers should regularly review their credit reports for accuracy and dispute any outdated or incorrect information that reappears.
Are there state-specific protections for complaint 9987816?
The complaint was filed in North Carolina, but the issue is national in scope for credit reporting. This complaint was filed from North Carolina.
How does complaint 9987816 compare to industry norms?
This is a common issue in the credit reporting industry, where outdated information can sometimes resurface due to data processing errors.
What steps should a consumer take if they discover old information reappearing on their credit report?
Consumers should immediately dispute the inaccurate information with the credit reporting agency and the furnisher of the information, providing any supporting documentation.
How can consumers proactively prevent issues with outdated information on their credit reports?
Regularly obtaining and reviewing credit reports from all three major bureaus (Experian, Equifax, TransUnion) can help identify and address inaccuracies promptly.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.