Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10726295
Complaint Overview
Complaint ID: 10726295
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: Minnesota
ZIP Code: 55106
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
I purchased a XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX my vehicle was stolen and I filed a police report. In XXXX of this year, I was advised by XXXX, the company that financed my vehicle, not to make any further payments. They assured me that this would not affect my credit. However, in XXXX of this year when I applied for a loan to start a business, I discovered that I had derogatory late payments on my credit report from XXXX. When I contacted XXXX in late XXXX, they indicated that they did not report me to the credit bureaus. I called back the same day and another service person from XXXX indicated that they did report me to the credit bureaus. They stated would remove the derogatory late payments, as they were the ones that advised me not to make any further payments because my vehicle was stolen. When I check my credit report again in XXXX of this year, derogatory late payments were still on my credit report. When I requested a transcript of the call to verify that they ( XXXX ) would remove the derogatory late payments, they stated that they would send the transcript, but they have not sent the transcript or have not follow-up or communicated with me. This is affecting my ability to get loans or credit.
Frequently Asked Questions
What is Complaint #10726295 about?
Complaint #10726295 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.