Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13129639
Complaint Overview
Complaint ID: 13129639
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 information incorrect
State: Georgia
ZIP Code: 301XX
Date Received: 2025-04-22T12:00:00-05:00
Date Sent to Company: 2025-04-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XX/XX/2025 To Whom It May Concern, Subject : Urgent Request for Closed Account Removal I am writing to formally dispute the reporting of a closed account on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. It is imperative that all information reported to credit bureaus is accurate, complete, and verifiable. The account in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified significant discrepancies that render this account non-compliant with Metro 2 standards : - Accuracy : The account reflects incorrect dates, balances, or status that do not match my records. This misrepresentation is not only misleading but also detrimental to my creditworthiness. - Completeness : The information reported on this account is incomplete, failing to provide a true picture of my financial history. This incomplete reporting further distorts my credit assessment. As stipulated under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be expeditiously removed. Given the clear violations of reporting standards, I insist that this closed account be deleted from my credit report within 30 days from the date of this letter. Failure to address this matter will leave me no choice but to escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) and seek legal recourse to protect my rights as a consumer. I expect your prompt attention to this urgent matter. Thank you for your immediate action. XXXX XXXX
Frequently Asked Questions
What is Complaint #13129639 about?
Complaint #13129639 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 2025-04-22T12:00:00-05:00.
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.