Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11317684
Complaint Overview
Complaint ID: 11317684
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: Texas
ZIP Code: 78758
Date Received: 2024-12-29T12:00:00-05:00
Date Sent to Company: 2024-12-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> RE : Letter to Remove inaccurate information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data to this account is reporting accurately including every notation, date and balance weather reported or not. Account Dept of ED/XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payment were in fact late. By the provisions of the consumer protections laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors that have requested a copy of my credit report in the last six months. I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided 15 days of the completion of your reinvestigation. I also read that under the federal law, you have 30 days to complete your investigation. It is my understanding that you must validate this items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete 30 days of receipt of this letter, or you must remove the incorrect information. Please send an update copy of my credit report to the above address. Thank you for your time and help with his matter. Sincerely XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11317684 about?
Complaint #11317684 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 2024-12-29T12:00:00-05:00.
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.