Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10155525
Complaint Overview
Complaint ID: 10155525
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: Account information incorrect
State: Michigan
ZIP Code: 48237
Date Received: 2024-09-16T12:00:00-05:00
Date Sent to Company: 2024-09-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX .The account in question was charged off in XX/XX/year>. Despite this, the account has been updated as a charge-off every month since then, which is incorrect. A charged-off account should not include an active payment history. This inaccurate reporting not only misrepresents the account 's status but also improperly influences the statute of limitations. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to accurate credit reporting and have the right to dispute any information that I believe is incorrect. Furthermore, the account 's persistent active payment history contradicts the nature of a charge-off, which should not reflect such activity. I have recently contacted XXXX regarding this matter, and they promptly corrected the inaccuracies in my credit report ( see attached documentation ). I am hopeful that Experian will take similar action to rectify this issue and ensure that all items on my report are accurately and fairly reported under FCRA regulations.
Frequently Asked Questions
What is Complaint #10155525 about?
Complaint #10155525 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-09-16T12:00:00-05:00.
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.