Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13521973
Complaint Overview
Complaint ID: 13521973
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 status incorrect
State: Georgia
ZIP Code: 30062
Date Received: 2025-05-14T12:00:00-05:00
Date Sent to Company: 2025-05-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A collection account from XXXX XXXX XXXX was reported to Experian on behalf of XXXX XXXX. I was never notified of this alleged debt prior to its appearance on my credit report. I received no bill, letter, email, or phone call providing notice or an opportunity to resolve the balance. The first and only indication of this account was an alert from my credit monitoring service, at which point my score dropped from XXXX to XXXX. I disputed the account with Experian, clearly explaining that the debt was reported without prior written notice, which is required under the Fair Credit Reporting Act ( FCRA ) and, if Contract Callers is a third-party collector, also under the Fair Debt Collection Practices Act ( FDCPA ). Experian responded by simply stating the account was verified, without addressing or investigating the lack of notice. I am requesting that this account be removed from my credit report due to the procedural failure to notify me prior to reporting. I also request a written explanation from both Contract Callers and Experian describing how notice was provided and how this dispute was handled
Frequently Asked Questions
What is Complaint #13521973 about?
Complaint #13521973 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 2025-05-14T12:00:00-05:00.
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.