Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10825897
Complaint Overview
Complaint ID: 10825897
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 is missing that should be on the report
State: California
ZIP Code: XXXXX
Date Received: 2024-11-16T12:00:00-05:00
Date Sent to Company: 2024-11-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Experian, I am writing to dispute the repeated inaccurate reporting of an account from XXXX XXXX Bank XXXX Account # XXXX ) on my credit report. Despite disputing this information twice, Experian has returned the results as verified without providing sufficient evidence to validate the accuracy of the reported information. This raises concerns about your compliance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ), which requires you to conduct a reasonable investigation of disputed information. The following inaccuracies remain unresolved : 1. Payment Status Discrepancy : Experian lists the payment status as Charge-off with a last reported date of XX/XX/XXXX. This conflicts with other reporting records. I request proof of validation from the original creditor to support this information. 2. Date of Last Payment : Experian lists the date of last payment as XX/XX/XXXX. However, this date appears inconsistent with my account records. Please provide documentation from the creditor confirming this information. 3. Date of Last Activity : Experian reports the date of last activity as XX/XX/XXXX. This differs from other reporting records and raises questions about the accuracy of your investigation. 4. Payment History : Experian reports 90, 60, and 30-day late payments in XXXX. I demand verification from the creditor to confirm the accuracy of these late payment notations. 5. High Credit and Credit Limit : Experian lists the credit limit as {$2500.00}, while other bureaus report {$2400.00}. Please verify this with the original creditor. 6. Past Due Balance : Experian lists a past due balance of {$2400.00}. I request proof of validation from the original creditor to ensure this amount is accurate and valid.
Frequently Asked Questions
What is Complaint #10825897 about?
Complaint #10825897 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 2024-11-16T12:00:00-05:00.
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.