Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11492131
Complaint Overview
Complaint ID: 11492131
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 78660
Date Received: 2025-01-12T12:00:00-05:00
Date Sent to Company: 2025-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Dear CFPB, I am writing to formally dispute the continued reporting of a XXXX XXXX account on my Experian credit report. This account contains significant inaccuracies and violates the Fair Credit Reporting Act ( FCRA ). Specifically, this account, opened in XXXX, is still being reported in XXXX, exceeding the 7-year limit for reporting negative information as mandated by FCRA Section 605 ( a ). Additionally, this account has already been removed by XXXX and XXXX, further highlighting inconsistencies in reporting and Experians failure to adhere to federal regulations. Below, I have outlined the specific FCRA violations and requested actions for resolution : Inaccuracies : The account opened in XXXX and is still being reported on Experian in XXXX, exceeding the 7-year reporting limit mandated by FCRA Section 605 ( a ). This account has already been removed by XXXX and XXXX. FCRA Violation : Section 605 ( a ) ( 7-Year Reporting Limit ) and Section 611 ( Verification ). Section 605 ( a ) limits the reporting of negative information to a maximum of 7 years from the date of the first delinquency. The continued reporting of this account on Experian violates this provision.
Frequently Asked Questions
What is Complaint #11492131 about?
Complaint #11492131 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-01-12T12:00:00-05:00.
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.