Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12185267
Complaint Overview
Complaint ID: 12185267
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: Georgia
ZIP Code: 30214
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
Tags: Older American, Servicemember
Consumer Narrative
XXXX XXXX Credit card inconsistent reporting violating FCRA XXXX XXXX : Acct # XXXX, Balance {$8300.00}, Experian , Transunion XXXX XXXX : Acct # XXXX, Balance {$3400.00}, Transunion 1 XXXX Inconsistent Balance Reporting Issue : The High Balance on the TransUnion record is reported as {$8200.00} while the Balance Owed is {$8300.00}. Typically, the high balance should reflect the maximum amount owed, so having a current balance exceed that number suggests an inaccuracy. Potential Violation : XXXX 15 U.S.C. 1681e ( b ) : This section requires that consumer reporting agencies maintain and report information with maximum possible accuracy by following reasonable procedures. An inconsistency like this may indicate a failure to meet that standard. 2. Discrepancies in Reporting Dates and Account Status Issue : The same account shows conflicting datesTransUnion lists both the Date Reported and Closed Date as XX/XX/XXXX, while Experian shows a Closed Date of XX/XX/XXXX. Such discrepancies can mislead consumers about the actual status of the account. Potential Violation : XXXX 15 U.S.C. 1681e ( b ) : The requirement to maintain accurate records is at stake here. Inconsistencies across different bureaus might indicate that one or more agencies are not following the necessary procedures to assure maximum possible accuracy. 3. Ambiguous Dispute Status Notation Issue : On the Experian record, the dispute status and creditor remarks read Account previously in dispute? now resolved? reported by subscriber. The ambiguity in how the dispute is resolved ( or not ) may confuse consumers and fail to provide clear information. Potential Violation : XXXX 15 U.S.C. 1681i ( a ) : This section governs the reinvestigation process for disputed information. The FCRA requires that disputes be clearly noted and resolved in a manner that is understandable to the consumer. Ambiguity in the dispute status could be seen as a failure to comply with this mandate. Legal Compliance and Consumer Rights It is my expectation that the investigation will adhere strictly to all legal requirements, thereby safeguarding my consumer rights throughout this process. In the event that any discrepancies or unresolved issues remain, I trust that you will notify me immediately and outline the measures that will be taken to resolve them. Please consider this letter as confirmation of my expectations regarding this matter. I look forward to receiving the final report and a resolution in line with the timelines stipulated by law. If additional information is required on my part to facilitate the investigation, kindly inform me at your earliest convenience. Thank you for your attention and cooperation.
Frequently Asked Questions
What is Complaint #12185267 about?
Complaint #12185267 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.