Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12076507
Complaint Overview
Complaint ID: 12076507
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: New Jersey
ZIP Code: 07032
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
This is my fourth dispute about the same account with XXXX XXXX XXXX ( account # XXXX ), and frankly, Im beyond frustrated. Experian is still reporting the payment status as Current, was past due 30 days, while XXXX and XXXX correctly show this account as Paid or paying as agreed. How is this even possible when Experians own payment history shows a consistent OK status with no late payments? Look at the attached credit reporttheres no excuse for this. If the payment history is clean, how can you still be reporting a 30-day delinquency? Stop playing games. FIX THIS! This is a complete failure of logic and accuracy. Experian has had more than enough time and proof to fix this, but instead, theyve ignored my prior disputes and continued damaging my credit. This goes beyond a simple mistake. Its NEGLIGENCE, and its causing me real harmmaking it harder to get loans for my business and blocking me from securing housing for my family. Under the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ), credit bureaus are legally required to ensure maximum possible accuracy, but Experian clearly isnt doing its job. Theyre also violating 15 USC 1681c-2 ( a ) by refusing to block inaccurate information even after I provided proof. Enough is enough. Im demanding that Experian correct the payment status to PAID AS AGREED immediately.
Frequently Asked Questions
What is Complaint #12076507 about?
Complaint #12076507 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 2025-02-11T12:00:00-05:00.
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.