Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11002898
Complaint Overview
Complaint ID: 11002898
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: Idaho
ZIP Code: 83402
Date Received: 2024-12-02T12:00:00-05:00
Date Sent to Company: 2024-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I reviewed my credit report from Experian and identified inaccuracies related to an account associated with XXXX XXXX XXXX. Specifically : Account Type Misrepresentation : The account is listed as a " charge card '' account type, which implies a requirement to pay the balance in full monthly. This description does not accurately reflect the repayment flexibility of this account. Incomplete Credit Reporting : Another account with the same lender, XXXX XXXX XXXX, has a positive history that has not been reported on my Experian credit report for over a year. Despite confirmation from the lender that they have reported this information to Experian, it has not been reflected, which impacts the completeness of my credit report and misrepresents my creditworthiness. Actions Taken : I contacted XXXX XXXX, XXXX, and verified that they had submitted the positive account information to Experian. I sent a dispute letter to Experian asking to remove these inaccuracies from my credit report.
Frequently Asked Questions
What is Complaint #11002898 about?
Complaint #11002898 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 2024-12-02T12:00:00-05:00.
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.