Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13766017
Complaint Overview
Complaint ID: 13766017
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Illinois
ZIP Code: 604XX
Date Received: 2025-05-27T12:00:00-05:00
Date Sent to Company: 2025-05-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX To Whom It May Concern, I am writing to formally dispute multiple inaccuracies reported by XXXX XXXX on my Equifax and Experian credit reports. This account is being reported with a series of inconsistent and inaccurate details, in violation of the Fair Credit Reporting Act ( FCRA ) and Regulation F. Here are the specific issues : - The account is marked as being in repossession, yet a highest balance is being reported. These statuses are contradictory. - The term is inaccurately reported as XXXX months, which is incorrect based on the original loan agreement. - The payment history shows only XXXX XXXX of payments on time, which is a false and damaging statistic. - The worst payment status is listed as No Info, while simultaneously displaying a payment history chart indicating derogatory payment patterns an inconsistency that violates FCRA standards for accuracy. - The late payments are listed as XXXX for XXXX days late, which is factually incorrect. - The data reported to Equifax and Experian differs significantly from that reported to XXXX further proving that the information is not consistent, accurate, or verifiable. These inconsistencies violate : - FCRA XXXX ( a ) : Furnishers must not report inaccurate information. - FCRA XXXX ( b ) : Upon notice of dispute, furnishers must investigate and correct or delete inaccurate information. - FCRA XXXX ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. - Regulation F XXXX ( a ) : Prohibits furnishing information in a way that is misleading, incomplete, or deceptive. Due to the extent and severity of these inaccuracies, I am requesting that Equifax and Experian immediately launch a reinvestigation into this account and remove it from my credit report if it can not be verified with accurate and consistent data across all three major bureaus. Please provide written confirmation of your findings and actions taken as a result of this dispute. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13766017 about?
Complaint #13766017 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-05-27T12:00:00-05:00.
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.