Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13796555
Complaint Overview
Complaint ID: 13796555
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: Maryland
ZIP Code: 21237
Date Received: 2025-05-29T12:00:00-05:00
Date Sent to Company: 2025-05-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to make it absolutely clear that this letter and all enclosed documents have been sent by me personally. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I expect my dispute to be handled in full compliance with federal law. Furthermore, I am aware that Equifax, Experian, and TransUnion have been the subject of recent enforcement actions and litigation related to their failure to properly investigate consumer disputes. For example, the Consumer Financial Protection Bureau ( CFPB ) recently fined Equifax {$15.00} million for inadequate handling of credit report disputes. This demonstrates a clear pattern of non-compliance with federal regulations, and I want to ensure that my dispute is processed correctly. I also understand that credit bureaus often send automated stall letters or claim that disputes were not submitted directly by the consumer. I want to be very clearthis dispute is 100 % from me. Any attempt to claim otherwise will be considered a direct violation of my consumer rights. I am requesting that you send a written response to me at the following address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD, XXXX The only response I will accept is a written response sent to the address listed above, specifically addressing the items I have disputed. I expect full compliance with the law and a proper investigation into the matters I have raised. Failure to adhere to these requirements will result in further action as allowed under the FCRA. To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. Personal Information for Experian NAME : XXXX XXXX The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. The only name that you should have on file for me is XXXX XXXX. CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX, XXXX XXXX I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. Yours Truly XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Frequently Asked Questions
What is Complaint #13796555 about?
Complaint #13796555 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 2025-05-29T12:00:00-05:00.
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.