Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10531350
Complaint Overview
Complaint ID: 10531350
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 status incorrect
State: Missouri
ZIP Code: 640XX
Date Received: 2024-10-21T12:00:00-05:00
Date Sent to Company: 2024-10-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally lodge a complaint regarding Experian 's inaccurate reporting on my credit report. Specifically, Experian has listed a negative entry related to XXXX XXXX that is false and misleading. The report indicates that I owe a delinquent amount, despite the fact that the issue is still unresolved and under negotiation. This entry pertains to a vehicle that was stolen and subsequently towed by a company called XXXX. I am currently in the process of negotiating with my insurance company, XXXX XXXX, to resolve the matter and pay off the remaining amount owed. The claim is still open, and the situation has not yet been settled. Given this, it is premature and unjust for Experian to report this matter as if it were a closed or resolved debt. I have made several attempts to communicate with both XXXX and Experian to rectify this erroneous listing, but the issue remains unresolved. This inaccurate reporting has caused significant harm to my credit score and has created undue stress as I try to resolve the matter with my insurance company. I respectfully request that the Consumer Protection Bureau take action to have this false information removed from my credit report immediately. I would appreciate your assistance in ensuring that Experian and XXXX properly update my credit report to reflect the accurate status of this unresolved issue. I am prepared to provide documentation supporting my claim, including evidence of the ongoing negotiations with XXXX XXXX regarding the stolen vehicle. Thank you for your attention to this matter. I look forward to a prompt resolution.
Frequently Asked Questions
What is Complaint #10531350 about?
Complaint #10531350 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 2024-10-21T12:00:00-05:00.
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.