Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14936164
Complaint Overview
Complaint ID: 14936164
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: Texas
ZIP Code: 786XX
Date Received: 2025-07-28T12:00:00-05:00
Date Sent to Company: 2025-07-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX RE : Formal Complaint Against XXXX XXXX XXXX XXXX FCRA Violations and Inaccurate Credit Reporting COMPLAINT SUMMARY Complaint Type : Credit Reporting Sub-issue : Incorrect information on credit report Collection Agency : Fair Collections & Outsourci Original Creditor : XXXX at XXXX XXXX XXXX XXXX : {$3500.00} Date Issue Began : XX/XX/XXXXXXXX DETAILED COMPLAINT Background of Issue I am filing this complaint against XXXX XXXX XXXX XXXX for reporting inaccurate and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ). This collection account stems from a dispute with XXXX at XXXXXXXX XXXX XXXX where they wrongfully refused to accept my legitimate rent payment of {$3500.00} for my final two months of tenancy. Specific Violations 1. FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) Violation : XXXX XXXX XXXX XXXXXXXX is furnishing information they know or have reasonable cause to believe is inaccurate. The debt was created solely through the original creditor 's bad faith refusal to accept valid payment, not through any legitimate default on my part. 2. Misleading Credit Reporting : The collection account misrepresents the circumstances by showing it as a legitimate debt when in reality : - I attempted to pay rent in full and on time - XXXX at XXXX refused payment without legal justification- This refusal forced me to vacate the premises- The landlord then claimed unpaid rent despite refusing my payment Impact on Consumer This inaccurate reporting has caused significant harm : - Damaged my credit score ( currently XXXX ) - Limited my ability to obtain credit - Caused emotional distress and financial hardship - Created barriers to housing opportunities ACTIONS TAKEN I have taken the following steps to resolve this matter : - Filed disputes with all three major credit bureaus ( Experian, XXXX, XXXX ) - Documented the circumstances surrounding the payment refusal - Attempted to communicate with the collection agency - Researched my rights under the FCRA REQUESTED RESOLUTION I respectfully request that the CFPB : 1. Investigate XXXXXXXX XXXX XXXX XXXXXXXX for FCRA violations 2. Require immediate removal of this inaccurate collection from all credit reports 3. Ensure compliance with federal credit reporting laws 4. Take enforcement action against the collection agency if violations are confirmed 5. Require notification to all parties who received my credit report of the deletion SUPPORTING INFORMATION I am prepared to provide additional documentation including : - Copy of lease agreement - Evidence of attempted payment - Communications with apartment complex - Current credit reports showing the collection - Copies of dispute letters sent to credit bureaus XXXX XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Phone : ( XXXX ) XXXX Original Creditor : XXXX at XXXX XXXX XXXX XXXX, TX XXXX CONSUMER RIGHTS ASSERTION Under the Fair Credit Reporting Act and other federal consumer protection laws, I assert my right to : - Accurate credit reporting - Prompt investigation of disputes - Deletion of inaccurate information - Protection from unfair debt collection practices CONCLUSION This complaint represents a clear case of inaccurate credit reporting that has caused significant harm to my creditworthiness and financial well-being. The collection agency 's continued reporting of this artificially created debt constitutes a violation of federal law and consumer protection standards. I request prompt investigation and resolution of this matter to protect my consumer rights and ensure compliance with federal credit reporting laws. Respectfully submittedXXXX XXXX Date : XX/XX/XXXX ENCLOSURES : - Copy of ID - Copy of current credit reports- Proof of address - Copies of dispute letters to credit bureaus SUBMISSION METHODS : - Online : consumerfinance.gov/XXXX - Mail : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX - Phone : ( XXXX ) XXXX
Frequently Asked Questions
What is Complaint #14936164 about?
Complaint #14936164 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 2025-07-28T12:00:00-05:00.
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.