Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14653610
Complaint Overview
Complaint ID: 14653610
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: South Carolina
ZIP Code: 292XX
Date Received: 2025-07-14T12:00:00-05:00
Date Sent to Company: 2025-07-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Im submitting a formal dispute against XXXX XXXXXXXX XXXX regarding inaccurate credit reporting for XXXX, XXXX, XXXX, and XX/XX/2024. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX payment of {$1400.00} was successfully posted on XX/XX/XXXX via ACH withdrawal ( XXXX ). Despite this, XXXX XXXX XXXX XXXXXXXX reported a delinquency on XX/XX/XXXX, resulting in a XXXX credit score drop, confirmed by XXXX XXXX XXXX On XX/XX/2024, I spoke with XXXX agents multiple times. My phone logs show extended calls, during which I provided the correct XXXX account ending in XXXX. Despite this, attached letters from XXXX show payments rejected due to invalid account info or unauthorized debit claims, totaling {$3400.00} and {$3000.00}. These errors were caused by agent oversight, not consumer neglect. Yet Im now required to remit future payments via certified funds, despite following proper account update steps. The issue is further compounded by repeated references to past XXXX forbearance, which was fully paid and resolved. This dispute is about post-forbearance actions and must be evaluated on its merit. I request an independent review of this dispute, confirmation of valid payment for XX/XX/2024, how and when the payment was processed, to include investigation of call between the agent and myself that reveals that during the payment confirmation process that I verified the correct account number to paid from after she verified the wrong about number I invoke my rights under the FCRA, SCRA, and CFPB policy and request : Validation of XXXX payment Investigation of agent interaction and returned payments Correction or removal of affected credit entries Documents uploaded include my XXXX statement, XXXX XXXX XXXX XXXX, returned payment letters, and phone call logs. I respectfully request resolution within 15 business days.
Frequently Asked Questions
What is Complaint #14653610 about?
Complaint #14653610 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 2025-07-14T12:00:00-05:00.
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.