Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13416872
Complaint Overview
Complaint ID: 13416872
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: Florida
ZIP Code: 33023
Date Received: 2025-05-07T12:00:00-05:00
Date Sent to Company: 2025-05-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am experiencing significant difficulty submitting a complete and accurate dispute regarding an inaccurately reported debt to Experian. I am disputing the accuracy of a {$110.00} balance reported by XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX. This debt is inaccurately reported and improperly verified. Despite my dispute to XXXX, Experian, Equifax and Transunion has reported this debt without obtaining valid documentation to verify its accuracy, violating the Fair Credit Reporting Act ( FCRA ). 1. {$100.00} Late Move-Out Fee : The lease agreement does not authorize a {$100.00} late move-out fee. It only permits double daily rent for holdover. Based on the lease terms, the correct prorated holdover fee for moving out at XXXX XXXX instead of XXXX XXXX would be {$9.00}. The {$100.00} charge is unauthorized and excessive by {$90.00}. 2. {$16.00} Common Area Charge : This charge is unsupported. The photos used to justify it were taken while my son was still moving, making the charge premature and invalid. 3. Payment Discrepancy : I made a payment of {$170.00}, which should have settled the account. However, I received a statement showing only {$73.00} as paid, creating an unresolved accounting error. I have requested validation of this debt directly from XXXX, but they have failed to provide any legally sufficient documentation. Despite this, Experian, Equifax, and Transunion has continued to report the debt as valid. Under the Fair Credit Reporting Act ( FCRA ), Experian, Equifax, and Transunion has a legal obligation to ensure that all information it reports is accurate and properly verified. Continuing to report this debt without valid verification violates my rights under the FCRA.
Frequently Asked Questions
What is Complaint #13416872 about?
Complaint #13416872 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 2025-05-07T12:00:00-05:00.
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.