Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10590157
Complaint Overview
Complaint ID: 10590157
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: Louisiana
ZIP Code: 70056
Date Received: 2024-10-26T12:00:00-05:00
Date Sent to Company: 2024-10-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint to demand immediate action regarding the extensive and ongoing inaccuracies on my XXXX XXXX account ( # XXXX ) as reported by XXXX XXXX Experian, and XXXX . Despite my repeated efforts to dispute and resolve these errors directly with each bureau, they continue to report inaccurate and conflicting information in clear violation of the Fair Credit Reporting Act ( FCRA ). Account Details and Reporting Inaccuracies : Account Number : XXXX Original Creditor : XXXX XXXX Balance Owed : {$410.00} Creditor Type : Utilities/Wireless Telephone Service Date Opened XXXX XX/XX/XXXXXXXX Payment Status : Closed / Collection account / Seriously past due date Dispute Status : " Not disputed '' on XXXX and XXXX XXXX despite multiple formal disputes. Key Inaccuracies Across Bureaus : Inconsistent Date of Last Activity : XXXX and XXXX list the last activity date as XX/XX/XXXX, while Experian records it as XX/XX/XXXX, resulting in an inconsistency that must be resolved. Conflicting Closed Dates : XXXX and XXXX show the closing date as XX/XX/XXXX, while Experian lists it as XX/XX/XXXX. This discrepancy in such a key detail makes the reporting unreliable. Contradictory Payment History : Experian shows this account as Charge-Off ( CO ) from XXXX to XX/XX/XXXX, while XXXX reflects on-time ( " OK '' ) payments in the same periods. This misalignment conflicts with the FCRAs requirement for accuracy. Incorrect Dispute Status : Despite my documented disputes, XXXX and XXXX still list this account as " not disputed, '' violating my rights under FCRA Section 611 ( 15 U.S.C. 1681i ) for disputed information to be investigated and corrected. Incomplete Payment History Reporting by XXXX : XXXX does not provide any payment history for this account, creating an incomplete and misleading profile that fails FCRAs standards for accurate and complete reporting. FCRA Violations and Legal Consequences : The FCRA mandates clear, accurate, and verifiable information. These credit bureaus actions are in clear violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to correct or delete inaccurate or unverifiable information after a dispute. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to use reasonable procedures to ensure maximum accuracy. FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : Allowing consumers to seek damages for willful or negligent non-compliance. Intent to Pursue Legal Action : If these inaccuracies are not removed within 15 days, I will file a lawsuit under the FCRA for damages resulting from willful and negligent non-compliance by the credit bureaus. Attached are copies of my recent credit reports from XXXX, Experian, and XXXX, as well as records of my previous disputes. I trust that the CFPB will take swift action to ensure compliance with FCRA standards and protect my rights as a consumer.
Frequently Asked Questions
What is Complaint #10590157 about?
Complaint #10590157 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 2024-10-26T12:00:00-05:00.
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.