Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10724923
Complaint Overview
Complaint ID: 10724923
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: Information belongs to someone else
State: Maryland
ZIP Code: 21215
Date Received: 2024-11-07T12:00:00-05:00
Date Sent to Company: 2024-11-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX, and I am reaching out to formally document and escalate my ongoing issue with fraudulent accounts and inquiries that have been incorrectly reported on my credit profile. Despite multiple attempts to resolve this matter directly with the credit bureaus, including Experian, XXXX, and XXXX, there has been a consistent failure on their part to adhere to federal regulations requiring the accurate and prompt updating of my credit information. Heres what has transpired : Repeated Attempts with No Resolution : I have provided extensive documentation and made multiple requests to remove fraudulent accounts and inquiries that have seriously impacted my credit standing. The bureaus have either failed to investigate thoroughly or have ignored the documentation I've provided. Their negligence has left my credit report littered with false entries. Violation of Federal Law : In accordance with Section 609 ( a ) ( 1 ) ( A ), 15 USC 1681, and additional consumer protection laws, I am entitled to a credit report that is accurate and free from fraudulent accounts and inquiries. I have clearly identified the problematic items and expected them to comply with their statutory obligations. Their continued disregard for these requirements represents a blatant violation of consumer protection laws. Consequences of Their Inaction : Due to their inaction, I am unable to rent or purchase a home for my family, a situation that is directly impacting our quality of life. This unnecessary harm is unacceptable, and my patience has run out. I expect the CFPB to convey my formal grievance to each bureau involved. If they do not immediately remove the fraudulent accounts and inquiries, I intend to pursue legal action. As stipulated in my previous correspondence, I am prepared to seek compensation of {$1000.00} per unresolved fraudulent item, along with {$10000.00} for the emotional and financial XXXX caused by their non-compliance. I look forward to a swift and effective resolution to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10724923 about?
Complaint #10724923 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 2024-11-07T12:00:00-05:00.
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.