Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10050635
Complaint Overview
Complaint ID: 10050635
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Maine
ZIP Code: 04005
Date Received: 2024-09-05T12:00:00-05:00
Date Sent to Company: 2024-09-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
" I am filing a complaint regarding inaccurate information being reported by multiple financial institutions on my Experian credit report. Despite submitting clear evidence proving the inaccuracies in the reported payment histories and account details, the reporting agency did not conduct a thorough investigation and left the incorrect information unchanged. Below are the specific issues with each institution : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( Status Updated XX/XX/XXXX ) The reporting reflects incorrect payment information, specifically showing missed payments in XXXX and XXXX of XXXX. I provided evidence demonstrating that these payments were made, yet the information has not been corrected after the reinvestigation. This has negatively impacted my credit score. XXXX XXXX Account # XXXX Account Number : XXXX Status : Open/Never late ( Status Updated XX/XX/XXXX ) This account appears to be accurate. XXXX XXXX Account # XXXX Account Number : XXXX Status : Paid, Closed. {$1100.00} written off ( Status Updated XX/XX/XXXX ) This account continues to report as charged off with multiple past-due entries from XX/XX/XXXX through XX/XX/XXXX, despite the fact that I provided clear evidence disputing these charges. Experian has failed to correct this after reinvestigation, and I request that the CFPB intervene to ensure the correct information is reflected. XXXX XXXX ( XXXX ) Account Number : XXXX Status : Closed. {$370.00} written off. XXXX XXXX is continuously reporting a charge every month, which unnecessarily refreshes my credit report and negatively impacts my credit score. This repetitive reporting increases my credit utilization and does not accurately represent the current status of my account. Despite submitting a dispute with clear evidence, the issue remains unresolved. These inaccuracies have significantly affected my credit score, and I request the Consumer Financial Protection Bureau ( CFPB ) to intervene. I have attached the updated credit report from Experian along with the supporting documentation for each disputed item. Please help ensure these institutions correct their reporting and update my credit file accordingly. ''
Frequently Asked Questions
What is Complaint #10050635 about?
Complaint #10050635 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-09-05T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.