Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10467270
Complaint Overview
Complaint ID: 10467270
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: Florida
ZIP Code: 32828
Date Received: 2024-10-15T12:00:00-05:00
Date Sent to Company: 2024-10-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To whom it may concern : I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by XXXX names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately! I have 30 days to dispute this information and will need proof of your investigation before anything is updated on my credit report. XXXXXXXX XXXX XXXX XXXX Experian Experian Account # : XXXX Account Description : Joint Contractual Liability Account Rating : As Agreed Account Status : Open Account Type : Installment Balance Owed : {$24000.00} Closed Date : -- Credit Limit : -- Creditor Remarks : CURRENT ACCOUNT/WAS DELINQUENT 60 DAYS PAST DUE DATE Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$37000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$640.00} Payment Frequency : -- Payment Status : As Agreed Term Length : XXXX Loan Type : Automobile I have stumbled upon an unexpected late payment entry for account XXXX XXXXXXXX XXXX XXXX for XXXX, XXXX on my credit report. Before taking any further action, I would appreciate your assistance in verifying this information. Should this entry prove incorrect, legal precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX guide the necessary correction to " paid as agreed, never late. '' XXXX XXXX XXXX Experian Experian Account # : XXXX Account Description : Individual Account Rating : As Agreed Account Status : Open Account Type : Revolving Balance Owed : {$14.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$5100.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$14.00} Payment Frequency : -- Payment Status : As Agreed Term Length : -- Loan Type : Credit Card I insist that you update your information immediately, as it is currently inaccurate and does not meet the minimum standard for accuracy. If it is not fixed immediately, legal action may be necessary. Inaccurate data has no place in your records or on my credit report, so please erase it immediately. XXXX XXXXXXXX XXXX Experian Experian Account # : XXXX Account Description : Individual Account Rating : Collection Or Charge Off Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : -- Creditor Remarks : -- Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$5000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : XXXX Loan Type : Unsecured The above-mentioned content was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated! Documentation confirming compliance with reporting obligations and any consumer legislation is required. The information supplied above is insufficient. I demand that any wrong, incomplete, or unsupported material be deleted! XXXX XXXX XXXX Experian Experian Account # : XXXX Account Description : Individual Account Rating : As Agreed Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am sending this complaint to the following agencies as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication
Frequently Asked Questions
What is Complaint #10467270 about?
Complaint #10467270 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 2024-10-15T12:00:00-05:00.
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.