Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11760476
Complaint Overview
Complaint ID: 11760476
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: Virginia
ZIP Code: 20176
Date Received: 2025-01-25T12:00:00-05:00
Date Sent to Company: 2025-01-25T12:00:00-05:00
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Reporting by Experian To Whom It May Concern, I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by failing to ensure the maximum possible accuracy of the information they report about me. I have attached evidence demonstrating that Experian continues to report inaccurate information regarding my XXXX XXXX credit account. Specifically : Balance Inaccuracy : XXXX shows my account balance as {$0.00} as of XX/XX/XXXX. Experian inaccurately reports a balance of {$17.00} as of XX/XX/XXXX. Payment History Discrepancy : XXXX records confirm that my last payment of {$17.00} was made on XX/XX/XXXX. Experian reports the last payment date as XX/XX/XXXX, which is incorrect. This misreporting violates FCRA Section 607 ( b ), which mandates credit reporting agencies to follow reasonable procedures to assure the maximum possible accuracy of consumer information. Furthermore, FCRA Section 604 ( f ) prohibits using or furnishing consumer reports for unauthorized purposes. Despite submitting supporting documentation directly to Experian, they have failed to correct the inaccurate information. This negligence has caused unnecessary harm to my credit profile. I am requesting that the CFPB take immediate action to investigate Experians failure to comply with the FCRA. Additionally, I ask for a resolution to ensure Experian corrects the errors and follows proper procedures to prevent future inaccuracies. Attached are the following documents for your reference : Screenshot from XXXX confirming accurate balance and payment details. Experian credit report highlighting the inaccurate reporting. Thank you for addressing this matter promptly. I look forward to your response. Sincerely,
Frequently Asked Questions
What is Complaint #11760476 about?
Complaint #11760476 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 2025-01-25T12:00:00-05:00.
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.