Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12076316
Complaint Overview
Complaint ID: 12076316
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: Texas
ZIP Code: 76116
Date Received: 2025-02-11T12:00:00-05:00
Date Sent to Company: 2025-02-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Experian for failing to properly investigate and remove inaccurate and unverifiable collection accounts from my credit report. Despite multiple dispute letters, Experian has failed to provide verification or remove these accounts, violating the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA : 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy in my credit report. 15 USC 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation within 30 days. 15 USC 1681s-2 Furnishers failed to verify or correct inaccurate information. 15 USC 1681i ( 5 ) ( B ) ( i ) Reinserted accounts without notifying me within 5 business days. Disputed Collection Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account Number : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Violation : Failure to verify accuracy and reinvestigate dispute. XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$940.00} Date Opened : XX/XX/XXXX Violation : Inclusion of obsolete/inaccurate information. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account Number : XXXX Balance : {$530.00} Date Opened : XX/XX/XXXX Violation : Failure to verify accuracy and reinvestigate dispute. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Violation : Failure to conduct a proper investigation. Impact of Experians Non-Compliance : Experians failure to remove inaccurate and unverifiable accounts has significantly impacted my credit score, financial well-being, and ability to obtain housing, loans, and employment opportunities. Experian is also in violation of 15 USC 1681n, which states that any consumer reporting agency that willfully fails to comply with the Fair Credit Reporting Act ( FCRA ) is liable for : Actual damages or statutory damages of up to {$1000.00} per violation Punitive damages as determined by the court Attorney fees and court costs By knowingly reporting false, inaccurate, or unverifiable information on my credit report, Experian has willfully violated the FCRA, and I reserve the right to pursue legal action to seek compensation for these violations.
Frequently Asked Questions
What is Complaint #12076316 about?
Complaint #12076316 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 2025-02-11T12:00:00-05:00.
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.