Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13205329
Complaint Overview
Complaint ID: 13205329
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: New York
ZIP Code: 11238
Date Received: 2025-04-27T12:00:00-05:00
Date Sent to Company: 2025-04-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The account was charged off in XX/XX/year>, which is well within XXXX days after becoming delinquent. According to federal regulations, open-end accounts like credit cards should be charged off after XXXX days of delinquency. This premature charge-off resulted in inaccurate reporting on my credit report, causing harm to my credit score. Additionally, the delinquency history and charge-off dates are inconsistent, making it difficult to understand when this account truly went into default and when it was officially charged off.I have attempted to resolve this directly with XXXX XXXX and the credit bureaus without success. I am requesting CFPBs assistance in investigating this matter and ensuring the incorrect charge-off is either removed or corrected to meet federal standards. Attached are the relevant documents, including a copy of my credit report, proof of my identity, and proof of my address. Thank you for your assistance in this matter. I look forward to a prompt resolution.
Frequently Asked Questions
What is Complaint #13205329 about?
Complaint #13205329 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 2025-04-27T12:00:00-05:00.
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.