Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14231672
Complaint Overview
Complaint ID: 14231672
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: North Carolina
ZIP Code: 279XX
Date Received: 2025-06-21T12:00:00-05:00
Date Sent to Company: 2025-06-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
No Verification or Validation of Debt I have disputed this account multiple times with the credit bureaus and requested debt validation from XXXX . However, they have never provided any documentation to verify that this debt is valid, accurate, or that they have the legal right to report or collect it. Under FDCPA 809 ( 15 U.S.C. 1692g ), once a consumer disputes a debt, collection must cease until validation is provided. Reporting this account to credit bureaus without validation is unlawful. Misleading Date Opened Possible Re-Aging The Date Opened is listed as XX/XX/year>, even though this is a purchased/assigned debt from XXXX XXXX XXXX , which should have been originally delinquent or charged off long before this date. Reporting the debt buyers acquisition date as the date opened instead of the original delinquency date creates the appearance of a more recent account and may be an attempt to re-age the debt a direct violation of FCRA 605 ( c ). Unsubstantiated Balance/ No Itemization The balance is listed as {$1500.00} with no breakdown or history of interest, fees, or charges from the original creditor. XXXX has not substantiated how this amount is accurate. This is a violation of FCRA 623 ( a ) ( 1 ), which requires information furnished to be accurate and complete. Improper Response to Disputes My credit file now contains vague comments like Account information disputed by consumer ( Meets requirement of the FCRA ), yet no documentation or detail of the investigation has been returned to me. Under FCRA 611, the credit reporting agencies must investigate disputes, and if the information is not verified with proper evidence, it must be deleted.
Frequently Asked Questions
What is Complaint #14231672 about?
Complaint #14231672 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 2025-06-21T12:00:00-05:00.
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.