Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10931528
Complaint Overview
Complaint ID: 10931528
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 Bank ( Account Number : XXXX ) regarding inaccuracies in the late payment reporting on my credit file. The account is marked as closed, but the report shows two late payments ( 30 days and 60 days past due ), which are inaccurate and unverifiable. I previously disputed this issue directly with XXXX XXXX Bank, but the reporting remains unresolved. Details of the Dispute : Late Payments Reported : XXXX XXXX Bank reports two late payments ( 30 and 60 days past due ) for an account that is closed. These late payments do not match my records and are not supported by any documentation provided by XXXX XXXX Bank. Lack of Verification : I have requested proof of the reported late payments, but no documentation has been provided to validate these claims. Inaccuracy of Reporting : Under 15 U.S.C. 1681e ( b ) ( FCRA ), XXXX XXXX Bank is obligated to ensure that the information reported is accurate. Under 15 U.S.C. 1681c ( a ), any negative information older than seven years must be removed. If these late payments are older than seven years, they should be removed.
Frequently Asked Questions
What is Complaint #10931528 about?
Complaint #10931528 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.