Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11654172
Complaint Overview
Complaint ID: 11654172
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: California
ZIP Code: 91387
Date Received: 2025-01-18T12:00:00-05:00
Date Sent to Company: 2025-01-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To the CFPB, I am writing to formally dispute inaccuracies reported by XXXX on my Experian credit report. This inaccurate information was previously disputed but remains on my Experian credit report. The information being furnished about this account contains several errors, including : Inaccurate loan start date reported to Experian Incorrect number of months reported as paid to Experian Inaccurate reporting of a 60-days-late payment in XX/XX/year>, which is incorrect since the loan was paid off in XX/XX/year>. These errors are not only misleading but also harmful to my credit profile and creditworthiness. Additionally, the continued furnishing of this inaccurate information is a violation of both federal and California state laws. Violations of Federal Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) XXXX, as a data furnisher, is required to report accurate information to credit reporting agencies and must promptly investigate and correct any disputed inaccuracies. By failing to ensure the accuracy of the reported information and not addressing the errors after the dispute, XXXX is in violation of this section. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ) Reporting inaccurate information, such as misstating the loan 's payment history or start date, constitutes a false representation of the debt 's status, which is prohibited under this section. Violations of California State Laws : California Consumer Credit Reporting Agencies Act ( CCCRAA ), Civil Code 1785.25 ( a ) Under this statute, furnishers of information to credit reporting agencies must not report information they know or should know is inaccurate. California 's Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), Civil Code 1788.17 This law incorporates the provisions of the FDCPA and prohibits the use of false or misleading representations in connection with debt collection or reporting. Request for Action : I respectfully request that the CFPB take the following actions : 1.Investigate the inaccuracies reported by XXXX. 2.Delete the inaccurate account from my Experian credit report. These inaccuracies are unacceptable and have caused undue harm to my credit profile. As a resident of California, I am entitled to accurate credit reporting under both federal and state laws. I trust that the CFPB will address this matter swiftly and ensure compliance with the laws cited above.
Frequently Asked Questions
What is Complaint #11654172 about?
Complaint #11654172 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 2025-01-18T12:00:00-05:00.
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.