Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13351965
Complaint Overview
Complaint ID: 13351965
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: Rhode Island
ZIP Code: 02905
Date Received: 2025-05-05T12:00:00-05:00
Date Sent to Company: 2025-05-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Inaccurate and unlawful reporting of a collection account ( XXXX XXXX XXXX ) violations of FCRA, Metro 2, FACTA, and UDAAP Complaint Description : I am filing this complaint against the three credit bureaus mentioned above for the unlawful reporting and maintenance of a collection account reported by XXXX XXXX XXXX, with a partial account number XXXX, associated with the original creditor OPTIMUM. After reviewing my credit reports, I have identified multiple violations : 1. Inconsistent reporting across bureaus : XXXX reports the account as Open, while XXXX and Experian report it as Closed, violating FCRA 1681e ( b ), which requires maximum possible accuracy and consistency. 2. Illegal re-aging : The account is reported with recent activity dates ( XX/XX/year> ), despite no valid payments or activity, suggesting improper re-aging, which is prohibited under FCRA 1681c ( a ) ( 4 ) and the FACTA amendments. 3. Charge-off reported without payment history : None of the credit bureaus provide any payment history, yet they report the account as a Collection/Charge-off, violating Metro 2 standards and FCRA 1681s-2 ( a ) ( 1 ) ( A ), which require complete and accurate reporting. 4. Failure to mark account as disputed : If this account was previously disputed, it must be flagged as such. Failure to do so constitutes a violation of FCRA 1681c ( f ). 5. Possible medical debt : If this collection account is medical in nature, it is protected under 15 U.S.C. 1681c-2, which prohibits reporting within the first 180 days and requires deletion once paid or settled. 6. Unfair and deceptive practices UDAAP : Maintaining inaccurate, contradictory, or unverified data may constitute unfair, deceptive, or abusive acts or practices under the Dodd-Frank Act, 12 U.S.C. 5531 and 5536, enforced by the CFPB
Frequently Asked Questions
What is Complaint #13351965 about?
Complaint #13351965 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 2025-05-05T12:00:00-05:00.
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.