Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14246179
Complaint Overview
Complaint ID: 14246179
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: Texas
ZIP Code: 770XX
Date Received: 2025-06-23T12:00:00-05:00
Date Sent to Company: 2025-06-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing inaccurate and potentially unlawful reporting by XXXX XXXX XXXX XXXX XXXX XXXX ) involving XXXX charged-off accounts : a credit card, a personal loan, a loan that was traded into a new loan, and an auto loan that was repossessed. I have submitted formal disputes to credit bureaus ( XXXX, Experian, and XXXX ) under the Fair Credit Reporting Act ( FCRA ) and FDCPA. I am requesting the CFPB investigate due to unresolved and serious inaccuracies in all three accounts : XXXX. XXXX Credit Card ( Acct # XXXX ) - Balance of {$1600.00} exceeds {$1000.00} credit limit - Account shows charge-off since XX/XX/XXXX but balance keeps increasing - 100 % credit utilization is still being reported post charge-off - Negative payment history continues monthly despite closure - This is misleading, punitive, and violates FCRA 605 ( a ) ( 4 ) and 607 ( b ) XXXX. XXXX Unsecured Loan ( Acct # XXXX ) - Original balance : {$2000.00} ; reported balance inflated to {$4700.00} - Charge-off reported since XX/XX/XXXXXXXX XXXX XXXX XXXX months of negative history reported, even after charge-off - No itemization of charges, fees, or interest - Balance increase appears arbitrary and unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Original loan : {$25000.00} ; balance after XXXX : {$33000.00} - Charged off and marked repossessed in XX/XX/XXXXXXXX XXXX - No accounting of sale proceeds, deficiency balance calculation, or required notices - No documentation validating post-repo charges or final balance - No validation provided despite formal request under FDCPA 809 XXXX XXXX Paid Auto Loan ( Opened XX/XX/XXXX, Account # XXXX ) This auto loan was fully paid and closed in good standing in XX/XX/XXXX when I traded in the vehicle and financed a new XXXX through XXXX. However, this account is still being reported in a way that makes it appear connected to the current repossession, or as if it carries an unpaid balance. This results in duplicate or misleading reporting. It should be marked Paid in full, closed with no outstanding balance, no delinquency, and no connection to the new repossession account. I request this account be clearly separated and verified as resolved or removed from all reports if it is contributing to negative scoring inaccurately. These accounts have inaccurate balances, outdated or misleading charge-off reporting, and have not been properly validated per federal law. XXXX has failed to investigate or correct the accounts under FCRA 611 and 623 ( b ). I request the CFPB investigate UFCUs credit furnishing and collection practices and require accurate and lawful reporting. These accounts should be corrected or deleted immediately if validation can not be provided.
Frequently Asked Questions
What is Complaint #14246179 about?
Complaint #14246179 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 2025-06-23T12:00:00-05:00.
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.