Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11898411
Complaint Overview
Complaint ID: 11898411
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: Indiana
ZIP Code: 47905
Date Received: 2025-02-02T12:00:00-05:00
Date Sent to Company: 2025-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Demand for Removal of Inaccurate and Unverified Negative Items RE : Credit Report Dispute Report # XXXX ( Experian ), [ Insert XXXX Report # if known ] To Whom It May Concern : I am writing to formally dispute the following inaccurate, incomplete, and unverified negative items on my credit report under Section 611 of the Fair Credit Reporting Act ( FCRA ). These items have not been properly investigated despite previous disputes, and their continued reporting violates my rights under the FCRA. As you are aware, Experian/XXXX is currently subject to litigation for failing to investigate disputes in good faith. I demand the immediate removal of the following items, as they are either erroneous, outdated, or lack sufficient verification : Disputed Accounts XXXX XXXX XXXXXXXX ( Account # XXXX ) Alleged Debt : {$280.00} ( Opened XX/XX/XXXX ) Basis for Dispute : This collection account is inaccurately reported as past due as of XX/XX/XXXX. I have no record of this debt, and your agency has failed to provide validation of the original creditor ( listed as " XXXX '' ) or proof of ownership. XXXX XXXX XXXX ( Account # XXXX ) Alleged Debt : {$160000.00} ( Joint mortgage, opened XX/XX/XXXX ) Basis for Dispute : The payment history inaccurately shows past-due status and foreclosure proceedings. This account was modified under a federal government plan, and the reporting does not reflect the updated terms. XXXX XXXX XXXX XXXX ( Account # XXXX ) Charge-Off : {$16000.00} ( Opened XX/XX/XXXX ) Basis for Dispute : This account is fraudulently reported as " charged off '' through XXXX despite being closed in XXXX. The payment history is fabricated, and no validation has been provided. DEPT OF EDUCATIONXXXX XXXX Account # XXXX ) Alleged Debt : {$2900.00} ( Opened XX/XX/XXXX ) Basis for Dispute : This account inaccurately reports a 90-day delinquency in XXXX. Payment records show consistent on-time payments since XXXX, and the balance does not reflect recent adjustments under federal student loan programs. XXXX XXXX XXXX ( Account # XXXX ) Auto Loan : Closed XX/XX/XXXX Basis for Dispute : The payment history falsely lists multiple 30/60-day delinquencies. This account was paid in full and closed with no late payments.
Frequently Asked Questions
What is Complaint #11898411 about?
Complaint #11898411 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 2025-02-02T12:00:00-05:00.
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.