Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10931565
Complaint Overview
Complaint ID: 10931565
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
XXXX XXXX is reporting XXXX late payments ( XXXX, XXXX, and XXXX days past due ) for both accounts [ Account Numbers : XXXX and XXXX ]. These entries are inconsistent with my payment history. Despite disputes submitted on XX/XX/year>, XXXX XXXX has failed to provide validation. This letter serves as a formal request for investigation and validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Issues Identified Account XXXX [ XXXX ] : XXXX late payments ( XXXX, XXXX, and XXXX days past due ) have been reported inaccurately. A past-due amount of {$30.00} is listed without proper validation or notice. Account XXXX [ XXXX ] : Similar late payment markers ( XXXX, XXXX, and XXXX days past due ) and a {$30.00} past-due balance are being inaccurately reported. Consumer Law Violations 15 U.S.C. 1681i ( a ) : Under the FCRA, I have the right to dispute the completeness or accuracy of any item on my credit report. XXXX XXXX is obligated to investigate and correct any inaccurate information. 15 U.S.C. 1692g : The FDCPA requires creditors or collectors to validate debts upon request. This includes providing accurate documentation of the delinquency and any supporting information. Demands for Validation and Resolution I request that XXXX XXXX conduct a thorough investigation and provide the following : Validation of the reported late payments, including dates, payment history, and proof of delinquency notices sent to me. Documentation to substantiate the {$30.00} past-due amount for both accounts, including itemized charges, fees, and original agreements. Immediate removal of any unvalidated or inaccurate information from all credit reporting agencies. Attached is a copy of the debt validation letter, copy of my DL, Credit Report, SS Card, Insurance Card for address verification.
Frequently Asked Questions
What is Complaint #10931565 about?
Complaint #10931565 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.