Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10931147
Complaint Overview
Complaint ID: 10931147
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: Illinois
ZIP Code: 60411
Date Received: 2024-11-25T12:00:00-05:00
Date Sent to Company: 2024-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against XXXX XXXX regarding inaccuracies in the reporting of a charged-off account and multiple unresolved late payments. The account, [ Account Number : XXXX ], is reported as charged off with a balance of {$620.00}, and it reflects late payments from XXXX through XXXX. I have previously disputed these issues directly with XXXX on XX/XX/XXXX but the reporting remains unresolved. Details of the Dispute : Charged-Off Account : The account is marked as charged off with a reported balance of {$620.00}. I dispute the charge-off and request validation of this amount, including a detailed breakdown of the charge-off and any fees associated with it. Late Payments ( XXXX ) : The account shows multiple late payments from XXXX through XXXX, including 30-, 60-, 90-, and 150-day delinquencies. These late payments are unverified and do not match my records. Failure to Validate : I have requested documentation to substantiate the charge-off and late payments, but XXXX has failed to provide adequate proof. Applicable Consumer Laws : 15 U.S.C. 1681c ( a ) : Under the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should not remain on the credit report for longer than seven years. I request that this information be removed if the charge-off is older than seven years. 15 U.S.C. 1666b : XXXX is required to verify and substantiate late payment claims for open-end credit plans. I request proof of the late payments.
Frequently Asked Questions
What is Complaint #10931147 about?
Complaint #10931147 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 2024-11-25T12:00:00-05:00.
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.