Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13816434
Complaint Overview
Complaint ID: 13816434
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: Georgia
ZIP Code: 30097
Date Received: 2025-05-30T12:00:00-05:00
Date Sent to Company: 2025-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My Experian credit report is showing a charge-off account from XXXX XXXX XXXX XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX with a listed charge-off date of XX/XX/2023 and an outstanding balance of {$38000.00}. I am disputing this tradeline as inaccurate and unverifiable. I never received proper notice about this account, nor was I given the opportunity to resolve it prior to it being charged off and reported. I have no record of this account being in default or in any form of delinquency that would justify such a severe reporting outcome. This entry has deeply affected my credit health and my peace of mind. I have always been diligent about monitoring my credit, and seeing this massive charge-off appear without warning or explanation has left me feeling powerless and unfairly penalized. I have reason to believe that this may be the result of a reporting error or data breach. In todays digital world, information is frequently mishandled or compromised, and this tradeline is highly suspect considering my history and the complete lack of communication from XXXX XXXX prior to its reporting. In addition to my personal experience, I have found overwhelming evidence of other consumers facing similar issues with XXXX XXXX XXXX XXXX. The CFPB has documented a disturbing trend in which this institution fails to conduct proper investigations, reports false delinquencies, and ignores the requirements set forth by the FCRA. Their failure to verify data before reporting has caused widespread damage to consumers across the country, and I am now among those affected. As per my rights under 15 U.S.C. 1681i of the Fair Credit Reporting Act, Experian must conduct a full reinvestigation into this account. If XXXX XXXX is unable to produce the original account details, payment history, and documented communication proving the accuracy of this tradeline, Experian must remove it. Furthermore, under 15 U.S.C. 1681e ( b ), Experian has a duty to ensure that all information it includes in a consumers file is accurate and up to date. This clearly has not happened in my case.
Frequently Asked Questions
What is Complaint #13816434 about?
Complaint #13816434 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 2025-05-30T12:00:00-05:00.
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.