Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11781387
Complaint Overview
Complaint ID: 11781387
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: Georgia
ZIP Code: 30013
Date Received: 2025-01-26T12:00:00-05:00
Date Sent to Company: 2025-01-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint regarding the inaccurate reporting of information on my credit report by XXXX and Experian. Despite my best efforts to resolve these issues directly with the credit reporting agencies, the inaccuracies persist, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ). The inaccurate information in question is as follows : [ List the accounts or items you are disputing. Include account numbers, dates, and details. ] I initially disputed these items directly with both XXXX and Experian. However, after submitting my disputes, the information was not corrected, and the errors continue to negatively affect my credit score and overall financial situation. I believe the credit bureaus failed to conduct a thorough or reasonable investigation into my claims, which is a violation of their obligations under the FCRA. Key Issues : 1.Failure to Correct Inaccurate Information : Under Section 1681i ( a ) ( 1 ) of the FCRA, I have the right to request an investigation into inaccurate information, and the credit reporting agencies are required to complete the investigation within 30 days. Despite this, the errors have not been rectified. 2.Failure to Ensure Accuracy : According to Section 1681e ( b ) of the FCRA, credit reporting agencies are responsible for maintaining accurate information. The continued presence of these errors suggests non-compliance with this obligation. 3.Recent Legal Precedents : I am aware of recent lawsuits that involve both XXXX and Experian, where they were found to have violated consumer rights by failing to handle disputes properly. These legal outcomes underscore the need for credit agencies to adhere to the FCRA and ensure the accuracy of all information they report. Despite my direct disputes with these agencies, no action has been taken to correct the errors, and I am left with an inaccurate credit report that is adversely affecting my financial standing.
Frequently Asked Questions
What is Complaint #11781387 about?
Complaint #11781387 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 2025-01-26T12:00:00-05:00.
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.