Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14352422
Complaint Overview
Complaint ID: 14352422
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: Maryland
ZIP Code: 21213
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
Tags: Servicemember
Consumer Narrative
Whom It May Concern : I am writing to formally dispute the reporting and status of XXXX XXXX XXXX XXXX account # XXXX XXXX. After reviewing my credit file, I have determined that the information being reported is unverifiable, inaccurate, outdated, and incomplete, which violates my rights under federal law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished about me is reported with maximum possible accuracy ( 1681e ( b ) ) and that any disputed information must be fully investigated ( 1681i ) and removed if it can not be verified. Additionally, as this is an open-end credit account, I am exercising my rights under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 and 1666b, which require you to : - Promptly investigate any billing errors I dispute, in good faith and within XXXX complete billing cycles ( but not more than XXXX XXXX ) ; - Provide documented evidence that verifies the accuracy and completeness of this account as reported ; - Correct any errors found ; and - Ensure payments are applied timely to avoid inaccurate late fees, interest, or delinquency reporting. DEMAND FOR PERMANENT DELETION : Unless you can provide complete, documented verification that this account is XXXX XXXX accurate, valid, current, and complete, you must immediately request its permanent deletion from any and all consumer reporting agencies you furnish data to. Failure to comply will constitute further violations of FCRA 1681s-2, 1681i, and FCBA 1666, exposing you to potential legal liability.
Frequently Asked Questions
What is Complaint #14352422 about?
Complaint #14352422 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 2025-06-28T12:00:00-05:00.
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.