Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14090400
Complaint Overview
Complaint ID: 14090400
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: Puerto Rico
ZIP Code: 00637
Date Received: 2025-06-15T12:00:00-05:00
Date Sent to Company: 2025-06-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Reporting late payments I never missed I am filing this complaint because XXXX XXXX XXXX XXXX XXXX is incorrectly reporting late payments on my mortgage ( loan XXXX XXXXXXXX ) between XX/XX/XXXX and XX/XX/XXXX, damaging my credit. On XX/XX/XXXX, I formally notified the bank via email ( to XXXX ) that my mortgage account was under review by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) regarding a property tax exemption case. I provided documentation supporting the exemption request and clearly requested resolution of the matter. Despite this notification and pending investigation, the bank reported my account as late during that period. I have never missed a payment, and the negative reporting is inaccurate and unfair. Furthermore, the payment that bank did under an amnesty must be voluntary by the tax payer owner or an authorized representative. If a payment is made under an amnesty, it is not allowed any payment invoice revision. It is known that the payment was not authorized and voluntarily neither. This is the main controversy here with XXXX XXXX XXXX XXXX XXXX. In addition, bank paid on XX/XX/XXXX while a claim was open in the XXXX XXXX XXXX at XXXX. The bank organized the payment on XX/XX/XXXX with me after bank paid on XX/XX/XXXX without knowing it. The previous paragraph is according to XXXX XXXX XXXX XXXX XXXX Terms and Conditions, subsections XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14090400 about?
Complaint #14090400 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 2025-06-15T12:00:00-05:00.
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.