Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11274218
Complaint Overview
Complaint ID: 11274218
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: Illinois
ZIP Code: 604XX
Date Received: 2024-12-24T12:00:00-05:00
Date Sent to Company: 2024-12-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Formal Dispute for Inaccurate Credit Reporting under FCRA 611 To Whom It May Concern : I am writing to formally dispute inaccurate and inconsistent information reported on my credit file maintained by Experian. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and require immediate investigation and correction. The following accounts contain inaccurate information : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Collection Account with {$600.00} past due, but status conflicts with XXXX and XXXX. - FCRA Violation : Reporting conflicting and unverifiable information in violation of FCRA 623 ( a ) ( 1 ). XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Auto Loan with balances of {$11000.00} and {$9200.00} on different reports. - Date discrepancies : Opened XX/XX/2021, and XX/XX/2021. - FCRA Violation : Reporting inconsistent balance and date information in violation of FCRA 611 ( a ). XXXX. XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Secured Card with {$24.00} balance after closure. - FCRA Violation : Failure to maintain accuracy under FCRA 623 ( a ) ( 1 ). XXXX. XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Credit Card with a {$130.00} balance still remaining. - FCRA Violation : Unverified and misleading balance reporting violates FCRA 605 ( b ). Requested Resolution : - Investigate and verify each disputed account with the original data furnisher. - Remove or correct all errors within 30 days, as mandated under FCRA 611. - Provide a written summary of the investigation results and verification sources. - Delete unverifiable information, as required under FCRA 611 ( a ) ( 5 ) ( A ). I expect a response within 30 days of receipt as required by law. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and escalation through legal channels. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11274218 about?
Complaint #11274218 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 2024-12-24T12:00:00-05:00.
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.