Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13833863
Complaint Overview
Complaint ID: 13833863
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: Information belongs to someone else
State: New York
ZIP Code: 10312
Date Received: 2025-06-01T12:00:00-05:00
Date Sent to Company: 2025-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I would like to formally dispute multiple late payment reports associated with credit card accounts that I have no knowledge of and have never authorized or opened. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate information to credit reporting agencies. The reporting of these late payments is inaccurate and violates my rights under the FCRA. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, prohibits the use of false, deceptive, or misleading representations regarding debts. The following accounts are fraud and should be removed immediately, Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Reporting late payments on an account that I did not authorize constitutes a violation of this statute. I request that the CFPB investigate this matter and direct the creditor to : Provide verifiable proof that I am legally responsible for this account ; and Remove all inaccurate late payments and accounts from my credit report. These false late payments are causing harm to my credit standing and affecting my financial stability. I have the right to accurate reporting, and I urge swift action to correct this matter. My FTC report # is XXXX
Frequently Asked Questions
What is Complaint #13833863 about?
Complaint #13833863 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 2025-06-01T12:00:00-05:00.
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.