Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11304510
Complaint Overview
Complaint ID: 11304510
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: Old information reappears or never goes away
State: California
ZIP Code: 90650
Date Received: 2024-12-27T12:00:00-05:00
Date Sent to Company: 2024-12-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Experian is reporting this account Please see attached I am filing this complaint regarding the inaccurate and misleading reporting of my XXXX XXXX account ( Account # XXXX ). The account is reported as charged off with a balance of {$3000.00} and a past-due amount of {$3000.00}. However, this reporting is inconsistent and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which mandates accurate and complete reporting by furnishers. A charge-off indicates the creditor has written off the debt as uncollectible. Reporting both a charge-off and a past-due balance is contradictory and unfairly impacts my credit. Additionally, this account was last updated in XX/XX/year>, but the information remains incorrect and incomplete. I am requesting that the CFPB investigate this issue and require the immediate deletion of this account from my credit report to ensure compliance with federal laws. The inaccurate reporting is causing undue harm to my credit score and financial stability. Thank you for your assistance in resolving this matter.
Frequently Asked Questions
What is Complaint #11304510 about?
Complaint #11304510 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 2024-12-27T12:00:00-05:00.
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.