Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12185065
Complaint Overview
Complaint ID: 12185065
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 status incorrect
State: California
ZIP Code: 90015
Date Received: 2025-02-23T12:00:00-05:00
Date Sent to Company: 2025-02-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this follow-up complaint regarding Experians failure to provide any substantiating evidence verifying the accuracy of the disputed late payments on my credit report for XXXX XXXX account XXXX ..... Additionally, Experian has not provided any updates within the required XXXX window, as mandated under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Violations of Federal Law : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Proper Reinvestigation Within 30 Days Under this statute, a consumer reporting agency must investigate disputed information and provide a timely update. Experian has not provided any evidence supporting the accuracy of the reported late payments nor issued an update to my dispute within the required timeframe. This non-compliance warrants the removal of the disputed information. Since Experian has failed to provide documentation verifying the accuracy of the reported late payments or update my dispute within the legal timeframe, I am requesting immediate removal of these entries under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), which requires the deletion of disputed information if the accuracy can not be verified. I respectfully ask that the CFPB enforce Experians compliance with the Fair Credit Reporting Act ( FCRA ) and require them to either : Provide clear and documented proof that the reported late payments are accurate, OR Immediately remove the disputed late payments from my credit report, as mandated by federal law. I appreciate your prompt attention to this matter and look forward to a resolution in accordance with consumer protection laws.
Frequently Asked Questions
What is Complaint #12185065 about?
Complaint #12185065 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 2025-02-23T12:00:00-05:00.
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.