Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12718715
Complaint Overview
Complaint ID: 12718715
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: California
ZIP Code: 90043
Date Received: 2025-03-28T12:00:00-05:00
Date Sent to Company: 2025-03-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the inaccurate information being reported on my credit report under the account listed below. The item appears on my credit report as a repossession/charge-off in the amount of {$44000.00} and is listed under the name of XXXX XXXX. This account does not belong to me, and I have no knowledge of it. I was directly affected by the Equifax data breach, and I believe this account is the result of fraudulent activity related to that breach. As a result of the breach, my personal and financial information was compromised, and I am requesting that you investigate and remove this fraudulent account from my credit file. I am exercising my rights under 15 U.S.C. 1681 ( b ), which ensures that consumer reporting agencies maintain the accuracy and integrity of the information in consumer credit files. The Fair Credit Reporting Act requires that any information in my credit report that can not be verified as accurate must be removed. In accordance with 15 U.S.C. 1681i, I request that you investigate this matter and provide me with the results of your investigation within 30 days of receipt of this letter. Should you determine that this account is indeed a result of fraudulent activity, I request that it be permanently removed from my credit file.
Frequently Asked Questions
What is Complaint #12718715 about?
Complaint #12718715 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 2025-03-28T12:00:00-05:00.
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.