Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12659227
Complaint Overview
Complaint ID: 12659227
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: Tennessee
ZIP Code: 37043
Date Received: 2025-03-24T12:00:00-05:00
Date Sent to Company: 2025-03-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I previously notified XXXX XXXX that I am a victim of identity theft and requested that they : Close the unauthorized account and take steps to remove information about this account from my credit files. XXXX XXXX is reporting this account inaccurately across multiple bureaus with different charged off dates. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history in which a charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations also a violation of the FCRA. I still have not received written confirmation of the requested actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately and removed from my credit reports. I have enclosed a copy of my Credit Report and FTC Identity Theft Report because the information you are reporting is the result of identity theft, and inaccurate. I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletions of the following account : XXXX XXXXXXXX - account # XXXX - amount {$5700.00} I really do not appreciate XXXX XXXX, XXXX, and Experian doing what they please with my credit report as we know this causes me financial harm. You have a duty to report accurate information only and if it's not accurate it must be deleted. Please send me the METHOD OF VERIFICATION regarding your findings.
Frequently Asked Questions
What is Complaint #12659227 about?
Complaint #12659227 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 2025-03-24T12:00:00-05:00.
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.