Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14361346
Complaint Overview
Complaint ID: 14361346
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: Public record information inaccurate
State: Texas
ZIP Code: 79934
Date Received: 2025-06-29T12:00:00-05:00
Date Sent to Company: 2025-06-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Experian is reporting inaccurate and unverifiable information on my credit report, including a XXXX XXXX bankruptcy and multiple charge-off and collection accounts. These items have been previously disputed and remain verified without Experian providing original source documentation, in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and Metro 2 compliance guidelines. I submitted disputes to Experian regarding : A XXXX XXXX Bankruptcy sourced by XXXX, not the court Charge-off and collection accounts with conflicting status codes ( e.g., Current and Charge-Off simultaneously ) Accounts marked with public record bankruptcy statuses with no docket numbers or court verification Experian failed to conduct a proper reinvestigation and refused to provide original creditor or court-verified documentation. My credit continues to be harmed despite their legal obligation to ensure maximum possible accuracy ( FCRA 1681e ( b ) ) and to remove unverifiable information ( 1681i ). I have included a formal letter demanding the deletion of the inaccurate data and have not received compliance. I request that the CFPB hold Experian accountable and require the deletion of all unverifiable entries as outlined in my complaint.
Frequently Asked Questions
What is Complaint #14361346 about?
Complaint #14361346 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 2025-06-29T12:00:00-05:00.
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.