Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11768778
Complaint Overview
Complaint ID: 11768778
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: Information belongs to someone else
State: Pennsylvania
ZIP Code: 19320
Date Received: 2025-01-22T12:00:00-05:00
Date Sent to Company: 2025-01-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint against Experian, XXXX XXXX Experian Credit reporting agencies regarding their handling of my recent credit dispute. Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) in several ways, resulting in continued inaccuracies on my credit report. Issues at Hand : 1. Dispute Denial Without Proper Investigation : Experian denied my dispute without conducting a reasonable investigation as required by FCRA Section 611 ( a ) ( 1 ) ( A ). I have never signed or submitted any documents that misrepresent the information, yet my dispute was rejected without adequate justification. I never signed anything saying it wasnt fraud either I was never notified at all 2. Illegal Re-Insertion of Disputed Accounts. XXXX XXXX XXXX XXXXXXXX XXXX accounts These disputed account where removed but subsequently reinserted without proper notification, violating FCRA Section 611 ( a ) ( 5 ) ( B ). This section mandates that if an account is reinserted, the consumer must be notified within five business days, including the name of the furnisher and the reasons for reinsertion. I did not receive any such notice. Legal Implications : XXXX actions are not only in violation of the FCRA but also have caused significant damage to my credit standing. As outlined in FCRA Sections 616 and 617, Experian is liable for willful and negligent non-compliance, which can result in damages, including actual, statutory, and punitive damages, as well as attorneys fees. Desired Resolution : 1. Immediate removal of the inaccurate and disputed information from my credit report. 2. Written confirmation of the removal and a detailed explanation for the mishandling of my dispute. 3. Assurance of compliance with all FCRA regulations in future interactions. I am requesting that the CFPB intervene to ensure Experian rectifies this situation and adheres to the legal standards set forth by the FCRA. Their non-compliance has negatively impacted my financial well-being, and immediate action is necessary. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11768778 about?
Complaint #11768778 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 2025-01-22T12:00:00-05:00.
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.