Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12112453
Complaint Overview
Complaint ID: 12112453
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: Indiana
ZIP Code: 46074
Date Received: 2025-02-17T12:00:00-05:00
Date Sent to Company: 2025-02-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I attempted to contact Experian to dispute and remove information that does not belong to me and is adversely affecting my financial standing. I provided the necessary details and documentation to support my claim, emphasizing that the information was inaccurate and not associated with my accounts or activities. Despite my efforts to resolve the matter promptly and in good faith, I have NOT received any acknowledgment or response from Experian, leaving the issue unresolved and continuing to impact me unfairly. I am requesting the removal of the information that does not belong to me and is adversely affecting me due to the Experian Breach which has been founded by the CFPB. COUNT I Failure to Forward Disputes Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) COUNT II Failure to Conduct a Reasonable Reinvestigation and Failure to Provide Furnishers with All Relevant Information Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( 2 ) COUNT III Failure to Reinvestigate Disputes About Hard Inquiries Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( 2 ) COUNT IV Deleting Tradelines Without an Investigation Violation of the FCRA COUNT V Unreasonable Over-Reliance on a Furnishers XXXX Response Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) COUNT VI Failure to Delete Inaccurate, Incomplete, or Unverified Information Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) COUNT VII Failure to Provide Notice of the Results of the Reinvestigation Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) COUNT VIII Failure to Maintain Reasonable Procedures Designed to Prevent Reinsertion COUNT IX Failure to Implement and Follow Reasonable Procedures to Assure Maximum Possible Accuracy Violation of the FCRA, 15 U.S.C. 1681e ( b ) COUNT X Unlawful Reinsertion of Previously Deleted Information Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), ( C ) COUNT XI Unfair Acts or Practices : Failing to Convey Consumers Disputes to Furnishers Fully and Accurately COUNT XII Unfair Acts or Practices : Excessive and Unreasonable Reliance on a Furnishers ACDV Response COUNT XIII Unfair Acts or Practices : Failing to Prevent Improper Tradeline Reinsertions DEMAND FOR RELIEF Wherefore, the Bureau respectfully requests, pursuant to 12 U.S.C. 5565, that the Court : 1. Permanently enjoin Experian from committing future violations of the CFPA, FCRA, Regulation V, or any provision of Federal consumer financial law, as defined by 12 U.S.C. 5481 ( 14 ) ;
Frequently Asked Questions
What is Complaint #12112453 about?
Complaint #12112453 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 2025-02-17T12:00:00-05:00.
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.