Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14352417
Complaint Overview
Complaint ID: 14352417
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 78245
Date Received: 2025-06-28T12:00:00-05:00
Date Sent to Company: 2025-06-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint XXXX XXXX XXXX and Credit Bureaus for Unfair and Inaccurate Credit Reporting Dear CFPB Representative, I am writing to file a formal complaint regarding repeated inaccurate and unfair reporting on my credit reports by XXXX XXXX, which has resulted in significant and unjustified damage to my credit score. Summary of Issue : * On XXXX XX/XX/XXXX XXXX XXXX reported my account as a charge-off which caused my credit score to decrease XXXX points. * On XX/XX/XXXX, the same account was flagged as collections, resulting in another score decrease of XXXX points. * On XX/XX/XXXX, XXXX XXXX reported my account as a charge-off, which caused my credit score to decrease by XXXX points. * This is not the first time. I have a copy of my Experian credit report dated XX/XX/XXXX, which clearly states this XXXX XXXX account was a collection account back in XXXX. Since then, XXXX XXXX has switched the reporting status of this same account multiple times from collections to charge-off, back to collections, and then to charge-off again each time causing an unnecessary drop in my credit score. I believe this repeated re-aging and changing of the account status is an unfair practice and a violation of the Fair Credit Reporting Act ( FCRA ). It misrepresents the true status of the debt, artificially prolongs negative reporting beyond fair limits, and severely harms consumers like me who have worked diligently to rebuild their credit. As a result of these practices, I have suffered multiple unjust credit score reductions and have been denied credit opportunities. Action Requested : \nI respectfully request that the CFPB : XXXX. Investigate XXXX XXXX reporting practices to determine if they are in violation of FCRA provisions related to accurate and fair reporting. XXXX. Require the credit bureaus to correct my credit report and remove any inaccurate or unfair derogatory marks related to this account. XXXX. Prevent any future unfair re-aging or status-switching of this account. I am enclosing supporting documentation, including : * A copy of my Experian credit report ( dated XX/XX/XXXX ) * Recent notifications showing the changes in status and resulting score decreases Additional Complaint Against Experian, XXXX, and XXXX : I am also filing this complaint against Experian, XXXX, and XXXX :, which has continued to report XXXX XXXX conflicting and inaccurate account statuses despite clear evidence that the information is inconsistent and damaging. Experian has a legal duty under the Fair Credit Reporting Act to ensure the maximum possible accuracy of my credit information and to properly investigate disputes. I request that the CFPB hold Experian accountable for failing to ensure the accuracy of this account reporting. Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14352417 about?
Complaint #14352417 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-06-28T12:00:00-05:00.
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.