Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9987862

CFPB complaint 9987862 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.

Complaint 9987862 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.

Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.

Complaint 9987862 was received by the CFPB on August 31, 2024. It was sent to Experian Information Solutions Inc. on August 31, 2024.

Complaint 9987862 was filed from California. You can view all complaints from this state at /state/CA.

Dispute information is not available for complaint 9987862.

Complaint 9987862 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 9987862 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information, including the permissible timeframes for reporting certain debts. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Incorrect information on your report".

Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. The reappearance of old information on a credit report can negatively impact a consumer's credit score and ability to obtain credit, potentially leading to financial harm.

Credit bureaus are expected to maintain accurate records and remove information that has surpassed its reporting limit as mandated by the FCRA. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should regularly review their credit reports for accuracy and dispute any incorrect or outdated information that reappears.

This issue occurred in California, a state with its own consumer protection laws that may offer additional recourse. This complaint was filed from California.

This is a common issue within the credit reporting industry, where errors or outdated information can persist on consumer reports.

Generally, most negative information can be reported for up to seven years from the date of the delinquency. However, bankruptcies can be reported for up to 10 years.

The consumer should immediately dispute the information with the credit reporting agency and the furnisher of the information, providing evidence that the information is outdated or should have been removed.