Your credit report is built up from data from your current and previous lenders. These lenders update Experian’s records, who then produce your report with this data.
Banks, financial institutions, and other credit grantors own this data in your credit report. Which means, Experian are unable to immediately change any incorrect information.
It’s also important to note that your report gets updated once a month, and so this information can be 4-6 weeks out of date.
If you think your credit report contains incorrect information that’s more than 4-6 weeks out of date, you’ll need to contact the lender involved or fill in a dispute form to have this information corrected by Experian directly