Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10607945
Complaint Overview
Complaint ID: 10607945
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: Missouri
ZIP Code: 640XX
Date Received: 2024-10-28T12:00:00-05:00
Date Sent to Company: 2024-10-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX and their continued inaccurate reporting of my account, which has negatively affected my credit report with XXXX, Experian, and XXXX. The inconsistent handling of this account by XXXX XXXX, combined with their ongoing computer errors, has led to considerable confusion and financial harm. I request your assistance in ensuring that this inaccurate information is removed from all three credit bureaus as soon as possible. Account Details : Issuer : XXXX XXXX Account Open Date : XX/XX/XXXX Reported Balance : {$670.00} Delinquency Reported : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Account Status : Closed Issue Summary : XXXX. Fraudulent Charges Dispute : In XX/XX/XXXX, I reported to XXXX XXXX that there were charges on this account that were not mine. XXXX XXXX initially investigated and removed these fraudulent charges from my account. XXXX. Reintroduction of Fraudulent Charges : However, in XX/XX/XXXX, XXXX XXXX informed me that due to a computer error, the previously removed charges were re-added to my account. This error reintroduced charges that had already been identified as fraudulent, leading to further financial impact on my account and credit. XXXX. Confusing Communication from XXXX XXXX : On XX/XX/XXXX, XXXX XXXX sent me a letter acknowledging a computer error and stated they would fix the issue with my account points. However, this response did not clarify or resolve the fraudulent charges issue. Subsequently, they stated that the computer error would not actually fix anything related to the charges or my account status, which has left me completely unclear on their intentions. 4. Incorrect Reporting to Credit Bureaus : As a result of these errors, my account continues to be reported as delinquent as of XX/XX/XXXX, despite being closed and initially charged off on XX/XX/XXXX. This inaccurate information appears on my reports with XXXX, Experian, and XXXX, further damaging my credit profile. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim and requesting validation. Resolution Requested : Immediate removal of the inaccurate information regarding this XXXX XXXX account from all three credit bureaus. XXXX that the balance of {$670.00} and any delinquency status related to this account be corrected to reflect the correct history and closure date of XX/XX/XXXX. Clarification and correction from XXXX XXXX regarding their computer error and reintroduction of fraudulent charges, as well as their acknowledgment of the errors they have made in handling my account. This issue has caused me significant financial and personal stress, and I am urgently seeking assistance to ensure that my credit report is accurate. I appreciate the CFPBs help in bringing this matter to a fair and swift resolution. Thank you for your attention to this complaint. Sincerely,
Frequently Asked Questions
What is Complaint #10607945 about?
Complaint #10607945 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 2024-10-28T12:00:00-05:00.
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.