Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12025684
Complaint Overview
Complaint ID: 12025684
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: Tennessee
ZIP Code: 37040
Date Received: 2025-02-10T12:00:00-05:00
Date Sent to Company: 2025-02-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I formally disputed several inaccurate accounts on my credit report due to suspected identity theft. The disputed accounts included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, I identified multiple incorrect personal details, including names and addresses, that do not belong to me. Despite previous attempts to resolve these discrepancies, the accounts and erroneous personal information remained on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I exercised my right to request verification and validation of these accounts. Specifically, I asked for documentation proving my authorization of the accounts, original contracts, payment histories, and evidence of the debt transfers. On XX/XX/2025, XXXX XXXX XXXX flagged my account as being in collections with a balance of {$170.00}, which I did not authorize. Additionally, an unauthorized hard inquiry was made by XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my Experian credit file for an installment loan or new bank account. I have requested the removal of all unauthorized inquiries and fraudulent accounts and demanded a written response within 30 days, as the FCRA prescribes. I have provided the necessary documentation to support my dispute, including government-issued identification and proof of address. I am awaiting the resolution of this matter and the removal of all inaccuracies from my credit file.
Frequently Asked Questions
What is Complaint #12025684 about?
Complaint #12025684 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 2025-02-10T12:00:00-05:00.
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.