Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14561004
Complaint Overview
Complaint ID: 14561004
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: New York
ZIP Code: 11206
Date Received: 2025-07-09T12:00:00-05:00
Date Sent to Company: 2025-07-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint concerning XXXX accounts on my credit report that have been wrongfully charged off and continue to negatively impact my credit standing : XXXX, XXXX XXXX ( XXXX XXXX ), and XXXX ( XXXX XXXX XXXX XXXX. I believe these accounts are being reported with significant inaccuracies and possibly in violation of the Fair Credit Reporting Act ( FCRA ). For XXXX, the reported dates across credit bureaus are inconsistent. For example, XXXX bureau lists the last payment as XX/XX/XXXX while another lists XX/XX/XXXX, and yet another reflects a last active date in XXXX. This internal conflict calls into question the accuracy and validity of the account status. Furthermore, the account is marked both as " charged off '' and " closed due to inactivity, '' which are contradictory statuses. This misrepresentation damages my credit profile and misleads lenders. The XXXX account shows a high past-due balance and charged-off status, but I have no recollection of authorizing or maintaining such an account. It remains disputed, yet no resolution or documentation has been provided to validate the debt. Under FCRA 611, I have the right to a timely investigation, which has not occurred. Lastly, XXXX reported a charge-off and repossession, but again, there has been no communication or validation. If the vehicle was repossessed, the balance due should be adjusted based on resale value, which has not been reflected. I request that each of these companies investigate the errors and either provide concrete documentation to support their claims or remove the derogatory items entirely. Ive also filed formal disputes with the credit bureaus and complaints with the CFPB. I am seeking full deletion or verified correction of these entries and would appreciate XXXX help in holding these companies accountable.
Frequently Asked Questions
What is Complaint #14561004 about?
Complaint #14561004 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 2025-07-09T12:00:00-05:00.
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.