Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14618164
Complaint Overview
Complaint ID: 14618164
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: Information belongs to someone else
State: Ohio
ZIP Code: 44122
Date Received: 2025-07-12T12:00:00-05:00
Date Sent to Company: 2025-07-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This account was previously removed from my credit profile following a legitimate identity theft dispute. However, you have unlawfully reinserted this account without any legal basis or written notification as mandated by federal law. The reinsertion was done without providing written notice within 5 business days, which violates FCRA 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ]. Furthermore, you have failed to provide the required method of verification, the name of the entity or individual contacted, or any supporting documentation linking this account to me, which is a violation of FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). There is no contractual agreement, original signed application, or legal proof that connects me to this debt. You are now reporting false information about me, which constitutes willful defamation of character and negligence under FCRA 1681e ( b ) for failing to maintain the maximum possible accuracy. This account reinsertion has caused significant harm to my creditworthiness, including a score drop of over XXXX points, affecting my ability to obtain credit, employment, and housing.
Frequently Asked Questions
What is Complaint #14618164 about?
Complaint #14618164 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 2025-07-12T12:00:00-05:00.
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.