Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12303334
Complaint Overview
Complaint ID: 12303334
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: Florida
ZIP Code: 33919
Date Received: 2025-03-03T12:00:00-05:00
Date Sent to Company: 2025-03-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this urgent complaint against XXXX and the major credit reporting agencies ( Experian, XXXX, XXXX ) for their egregious, repeated failures to correct blatantly inaccurate information on my credit report for my unsecured loan account ( Account Number : XXXX ), in direct violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Consumer Financial Protection Act ( CFPA ), and other consumer protection laws. This has caused catastrophic harm to my financial stability, nearly resulting in the loss of my home, and I demand immediate investigation and rectification. Since XX/XX/XXXX, I have diligently disputed this account, which is falsely reported as charged off with {$1700.00} written off, past due as of XX/XX/XXXX, and showing a payment history of continuous " CO '' ( charge-off ) since XXXX. This is utterly falseI never defaulted on this XXXX term loan, opened on XX/XX/XXXX, and managed it responsibly with timely payments. The status, updated as charged off in XX/XX/XXXX, is a gross misrepresentation that persists despite my disputes. The credit reporting agencies and XXXX have failed to conduct reasonable investigations or correct these errors, violating FCRA Section 1681i ( Duty to Reinvestigate Disputed Information ) and FCRA Section 1681s-2 ( Duties of Furnishers of Information ). CRAs have provided vague, insufficient responses, claiming the information is " verified '' without detailed investigation processes or evidence, breaching FCRA Section 1681i ( a ) ( 6 ). XXXX has ignored my disputes, refusing to provide proof of delinquencies or charge-offs. This systemic negligence has obliterated my credit score, denying me credit, loans, and financial stability. I have nearly lost my home due to these false reports, facing immense emotional and financial distress. I demand : A thorough, transparent investigation with full disclosure of processes and documentation, per FCRA Section 1681i. Immediate removal of all inaccurate entriescharge-offs and past-due statusesfrom my credit report. Compensation for the severe harm, including financial losses and the near-loss of my home. Enforcement action against XXXX and CRAs for their willful noncompliance. Issuance of Form 1099-C for the reported {$1700.00} charge-off, if applicable, to address potential tax implications. I have provided payment records and dispute correspondence, yet their failures persist. This is unacceptable. Contact me at XXXX or XXXX for evidence. I expect a response within XXXX business days, as delays worsen my dire situation. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12303334 about?
Complaint #12303334 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 2025-03-03T12:00:00-05:00.
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.