Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13101711
Complaint Overview
Complaint ID: 13101711
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: Missouri
ZIP Code: 63052
Date Received: 2025-04-21T12:00:00-05:00
Date Sent to Company: 2025-04-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
When reviewing my credit report for Experian my summary shows I have XXXX accounts with late payments however all of my accounts listed in my credit report say never late. I did file bankruptcy so I have XXXX accounts with a derogatory remark of discharged through bankruptcy/never late. I understand having derogatory accounts but I do not understand how they can be classified as accounts with late payments over 60+days when there were never any late payments prior to filing bankruptcy or since filing. I have tried reaching Experian with no luck of speaking to an actual human being. I do not need to dispute anything with my creditors because they are all reporting correctly. My dispute is with Experian for classifying accounts associated with my bankruptcy as having late payments when there were never any late payments. XXXX and XXXX are NOT reporting these XXXX accounts associated with bankruptcy as having late payments I dont understand why Experian is.
Frequently Asked Questions
What is Complaint #13101711 about?
Complaint #13101711 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 2025-04-21T12:00:00-05:00.
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.