Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12375383
Complaint Overview
Complaint ID: 12375383
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: Florida
ZIP Code: XXXXX
Date Received: 2025-03-06T12:00:00-05:00
Date Sent to Company: 2025-03-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint Regarding Incorrect Information on Credit Report and Lack of Resolution from Experian ( CFPB Complaint ID : XXXX ) XXXX XXXX Account # : XXXX Account Type : Revolving I am writing to formally lodge a complaint against Experian, one of the major credit bureaus, for failing to address incorrect information on my credit report as required under the Fair Credit Reporting Act ( FCRA ). This issue has caused significant distress and disruption to my financial life, and I have yet to receive a satisfactory resolution despite submitting a dispute to Experian on XX/XX/year> ( CFPB Complaint ID : XXXX ). Background of the Issue : On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate information on my credit report. Under Section 1681 ( c ) of the FCRA, credit bureaus are required to maintain accurate and complete information. Additionally, Section 1681 ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Despite these legal obligations, Experian has failed to correct the inaccuracies on my report. Specific Concerns : Incorrect Information : My credit report contains inaccurate information that is negatively impacting my credit score and financial opportunities. Discrepancies Between Credit Bureaus : There are inconsistencies in the information reported by the three major credit bureaus ( Experian, XXXX, and XXXX ). These discrepancies further highlight the lack of accuracy in my credit reports. Violation of FCRA Timeline : Experian has exceeded the 30-day timeframe mandated by the FCRA to investigate and resolve my dispute. Enclosed Documentation : To assist with your investigation, I am including updated information from all three credit bureaus ( Experian, XXXX, and XXXX ) that highlights the discrepancies and inaccuracies in my credit reports. I trust that the CFPB will take appropriate action to ensure that my rights under the FCRA are upheld and that Experian is held accountable for its failure to comply with federal law. Please contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation.
Frequently Asked Questions
What is Complaint #12375383 about?
Complaint #12375383 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 2025-03-06T12:00:00-05:00.
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.