Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13927026
Complaint Overview
Complaint ID: 13927026
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: Michigan
ZIP Code: 48507
Date Received: 2025-06-05T12:00:00-05:00
Date Sent to Company: 2025-06-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, XXXX XXXX, am filing this complaint to report the failure of a consumer reporting agency to provide the method of verification and to uphold its responsibilities under the Fair Credit Reporting Act ( FCRA ). I am writing on my own behalf, as a natural person, and am exercising my right under 15 U.S.C. 1681i ( a ) ( 7 ) to receive a full description of the reinvestigation procedures used to verify disputed items on my credit report. Despite a previous dispute submitted, I have not received the required documentation or explanation verifying the accuracy of the accounts in question. I believe the continued reporting of these items may violate my rights under 15 U.S.C. 1681e ( b ) and 1681i of the FCRA, which require reasonable procedures to ensure maximum possible accuracy and a complete reinvestigation of disputed information. Disputed Items Incorrect Personal Information Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( Reported : XX/XX/XXXX ) Incorrect Personal Information Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( Reported : XX/XX/XXXX ) Collection Account Furnisher : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Collection Account Furnisher : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( Addresses # XXXX and # XXXX were repeated more than once in the initial dispute submission. ) Requested Information Under FCRA 15 U.S.C. 1681i ( a ) ( 7 ) I request a full and specific method of verification, including : The name, address, and telephone number of the original creditor or furnisher. The name of the individual who verified the information. Valid documentation used to confirm the disputed items. A detailed description of the procedures used during the reinvestigation. An outline of your agencys compliance measures under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy in all data reporting. Legal Noncompliance and Remedy Sought If you can not produce the requested verification or documentation, I am requesting the immediate deletion of the inaccurate and unverifiable items from my credit report, in accordance with : 15 U.S.C. 1681e ( b ) Duty to follow procedures ensuring accuracy, 15 U.S.C. 1681i ( a ) ( 5 ) Obligation to delete unverifiable data, 15 U.S.C. 1681i ( a ) ( 7 ) Right to receive method of verification. Failure to comply will result in civil liability under : 15 U.S.C. 1681n Willful noncompliance, 15 U.S.C. 1681o Negligent noncompliance. Next Steps If this matter is not properly addressed within the legal timeframes, I will file additional complaints with : The Consumer Financial Protection Bureau ( CFPB ), My State Attorney General, The Federal Trade Commission ( FTC ), And consider pursuing legal action for damages. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13927026 about?
Complaint #13927026 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 2025-06-05T12:00:00-05:00.
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.