Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13169403
Complaint Overview
Complaint ID: 13169403
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: Old information reappears or never goes away
State: South Carolina
ZIP Code: 293XX
Date Received: 2025-04-24T12:00:00-05:00
Date Sent to Company: 2025-04-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently filed a dispute with the credit reporting companies ( TransUnion, Equifax, and Experian ) regarding a collection account from XXXX XXXX. The result of that dispute ( Reference # : XXXX ) clearly stated that the account was deleted from my credit file. However, as of today, the XXXX XXXX account is still appearing on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, as Equifax is inaccurately reporting the results of a reinvestigation. Additionally, there are two collection accounts on my credit report one from XXXX XXXX XXXX and one from XXXX XXXX XXXX that I am unable to dispute through any online dispute center. These accounts are actively affecting my credit, yet the credit reporting companies have provided no accessible method for me to challenge their accuracy. This denies me my right under the FCRA to dispute any item in my report. I am requesting : Immediate removal of the XXXX XXXX collection from my credit file per the dispute outcome. That the credit reporting companies provide the ability to dispute the XXXX XXXX and XXXX XXXX accounts, or remove them if they can not be properly validated. I have screenshots and documentation of all the above. Please investigate this matter and compel the credit reporting companies to comply with federal law.
Frequently Asked Questions
What is Complaint #13169403 about?
Complaint #13169403 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 2025-04-24T12:00:00-05:00.
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.