Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12848654
Complaint Overview
Complaint ID: 12848654
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 is missing that should be on the report
State: Ohio
ZIP Code: 43068
Date Received: 2025-04-06T12:00:00-05:00
Date Sent to Company: 2025-04-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : FORMAL DISPUTE - FCRA & FDCPA VIOLATIONS, CF PB ENFORCEMENT FAILURE, DEMAND FOR IMMEDIATE DELETION I am submitting this formal dispute under the FCRA, 15 U.S.C. 1681, and the FDCPA, 15 U.S.C. 1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. Continued reporting of these items in light of known legal violations exposes your agency to liability under federal law. ITEMS IN DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. FCRA 1681s-2 ( a ) ( l ) ( A ) : Prohibits the reporting of information known to be inaccurate. 2. FCRA 1681s-2 ( b ) : Furnisher 's duty to investigate and correct upon notice of dispute. 3. Internal Revenue Code 6050P : If a 1099-C has been issued, the debt has been canceled and is no longer legally collectible. 4. CFPB oversight failure strengthens my legal claim. 5. Metro 2/E-OSCAR non-compliance. 6. FDCPA 1692d, 1692c, 1692g : Harassment, failure to validate, illegal communication practices. 7. Has the account have been charged off and a 1099-C form issued or if the creditor reported these accounts as business losses for tax deduction purposes, they must be deleted under IRS regulations and FCRA due to the cancellation or non-ownership of the debt. 8. For any accounts currently being reported by third-party debt collectors, I demand a copy of the assignment contract or bill of sale proving lawful authority to collect and report this debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12848654 about?
Complaint #12848654 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 2025-04-06T12:00:00-05:00.
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.