Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9987850
Old Debt Reappears on Credit Report, Experian Provides Explanation
Complaint Overview
Complaint ID: 9987850
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: Nevada
ZIP Code: 89110
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 explained by the credit bureau, suggesting it may be a procedural or data refresh matter rather than a systemic error.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Old information
AI Analysis
CFPB complaint 9987850 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 explained. The complaint was received on August 31, 2024 from Nevada. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for any reappearing old information and request an explanation from the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and completeness of information in consumer reports.
Regulatory Insight
Credit bureaus must investigate disputes and provide explanations for the information on a consumer's report.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originated in Nevada.
Industry Comparison
This is a common issue in the credit reporting industry where data management and updates can sometimes lead to old information resurfacing.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9987850 about?
CFPB complaint 9987850 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 9987850 filed against?
Complaint 9987850 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 9987850?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 9987850 filed?
Complaint 9987850 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 9987850 filed from?
Complaint 9987850 was filed from Nevada. You can view all complaints from this state at /state/NV.
Was the consumer satisfied with the resolution of complaint 9987850?
Dispute information is not available for complaint 9987850.
What product category is complaint 9987850 about?
Complaint 9987850 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 9987850 submitted?
Complaint 9987850 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 9987850?
The Fair Credit Reporting Act (FCRA) governs the accuracy and completeness of information in 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 9987850 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 9987850?
This complaint is rated as low risk. The risk is low as the issue was explained by the credit bureau, suggesting it may be a procedural or data refresh matter rather than a systemic error.
What regulatory actions apply to complaint 9987850?
Credit bureaus must investigate disputes and provide explanations for the information on a consumer's report. 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 9987850?
Consumers should carefully review their credit reports for any reappearing old information and request an explanation from the credit bureau.
Are there state-specific protections for complaint 9987850?
The complaint originated in Nevada. This complaint was filed from Nevada.
How does complaint 9987850 compare to industry norms?
This is a common issue in the credit reporting industry where data management and updates can sometimes lead to old information resurfacing.
What are the typical reasons old information might reappear on a credit report?
Old information might reappear due to data refresh cycles, errors in the reporting process, or if the debt was sold to a new collector and re-aged incorrectly.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.