Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12384949
Complaint Overview
Complaint ID: 12384949
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: Colorado
ZIP Code: 80123
Date Received: 2025-03-07T12:00:00-05:00
Date Sent to Company: 2025-03-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Due to Bank Error I am writing to file a formal complaint against XXXXXXXX XXXX Home Mortgage for an inaccurate report on my mortgage account, which has caused significant damage to my credit score. The bank incorrectly reported my mortgage status as " 60 Days Late. '' The late payment status was due to an error by XXXX XXXX I have already contacted XXXX XXXX multiple times regarding this inaccurate entry from my credit report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ). The bank has acknowledged that this is their error, not my fault, and have asked for the status to be corrected. Despite my efforts, the bank has not taken prompt action to correct the error, this has resulted in a XXXX drop in my credit score. I am seeking the following resolution : 1-Immediate removal of the " 60 Days Late '' status from my credit report completely. XXXXCorrection of my credit report to reflect the accurate status of my mortgage account, including any negative impact the error may have caused. 3- Full restoration of my credit score by having the correct, on-time payment history reflected across all three credit bureaus ( XXXX, Experian XXXX and XXXX ) XXXXConfirmation in writing that the correction has been made. If this issue is not resolved promptly, I am prepared to take additional steps, including pursuing legal action and filing complaints with other regulatory authorities.
Frequently Asked Questions
What is Complaint #12384949 about?
Complaint #12384949 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 2025-03-07T12:00:00-05:00.
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.