Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11194113
Complaint Overview
Complaint ID: 11194113
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 status incorrect
State: Texas
ZIP Code: 76227
Date Received: 2024-12-17T12:00:00-05:00
Date Sent to Company: 2024-12-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian and XXXX for its failure to accurately report information on my credit file, specifically regarding my closed XXXX XXXX account. Despite the account being closed and resolved, Experian continues to report it negatively and repeatedly re-ages the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has unfairly harmed my credit score and financial standing. Experian and XXXX failure to maintain accurate and up-to-date information is both misleading and noncompliant with federal law. I have previously disputed this matter with Experian and XXXX, yet they have failed to remove the account. I am requesting that the CFPB investigate this matter and require Experian and XXXX to completely remove the XXXX XXXX account from my credit report to ensure compliance with the FCRA and restore the accuracy of my credit file. To support my complaint, I have included the following documents : 1. A copy of my most recent credit report showing the inaccurate and re-aged reporting of the XXXX XXXX account. 2. Documentation verifying that the account has been closed and resolved. I appreciate your assistance in holding Experian and XXXX accountable for its obligations under the law. Please let me know if any further information or documentation is needed to move forward with this complaint. I look forward to a swift resolution. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11194113 about?
Complaint #11194113 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 2024-12-17T12:00:00-05:00.
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.