Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11994420
Complaint Overview
Complaint ID: 11994420
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: Arizona
ZIP Code: XXXXX
Date Received: 2025-02-07T12:00:00-05:00
Date Sent to Company: 2025-02-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute inaccurate information appearing on my credit report related to the following account : Account Information : Creditor Name : XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the maximum possible accuracy of information reported. However, this account contains multiple discrepancies that I am challenging based on factual inaccuracies and inconsistencies. Basis for Dispute : Incorrect Reporting of Charge-Off Status : The account was reportedly charged off, but it continues to reflect ongoing past-due amounts each month, which is a form of illegal re-aging under FCRA regulations. Inaccurate Account Status : The account history reflects conflicting information regarding its closure, charge-off, and balance updates. These inconsistencies violate the accuracy requirements outlined in the FCRA ( 15 U.S.C. 1681e ( b ) ). Failure to Investigate Theft Report : This account is related to a stolen package for which I filed a police report. Despite my efforts to resolve the matter, the creditor failed to acknowledge or rectify the situation. Under FCRA ( 15 U.S.C. 1681i ), information that can not be verified must be removed. Legal Grounds for Dispute : FCRA Section 609 ( 15 U.S.C. 1681g ) : I have the right to obtain and dir Resolution : I formally request the following actions : Immediate removal of the inaccurate charge-off and past-due reporting from my credit file. A detailed explanation of the investigation process used to verify this information. An updated credit report reflecting the necessary corrections. This matter is significantly affecting my credit standing, and I expect a resolution within the 30-day period as mandated by the FCRA. If this issue is not resolved promptly, I will explore further legal action to protect my rights.spute the completeness and accuracy of my credit report. FCRA Section 611 ( 15 U.S.C. 1681i ) : If an item is found to be inaccurate or unverifiable, it must be removed. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Information providers must ensure the accuracy and completeness of the information they report. Truth in Lending Act ( TILA ) Section 1601 ( 15 U.S.C. 1601 ) : Requires transparency and accuracy in credit reporting.
Frequently Asked Questions
What is Complaint #11994420 about?
Complaint #11994420 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 2025-02-07T12:00:00-05:00.
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.