Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15103196
Complaint Overview
Complaint ID: 15103196
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: New York
ZIP Code: 105XX
Date Received: 2025-08-05T12:00:00-05:00
Date Sent to Company: 2025-08-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I paid off my motorcycle loan with XXXX XXXX XXXX XXXX, and the account was officially closed on XX/XX/XXXX. Shortly afterward, I noticed a derogatory mark had been added to my credit profile, indicating a delinquency reported by XXXX XXXX despite never missing or being 30 days late on any payments. I contacted XXXX XXXX and spoke with several supervisors. Unfortunately, each gave me conflicting explanations and none were able to clearly justify why the account had been marked as derogatory. All of them ultimately suggested I dispute the issue with the credit bureaus. However, after checking all three bureaus, none of them show any payment delinquencies. The payment history is clean yet the derogatory status remains, with no visible reason. While trying to resolve the matter, I encountered multiple instances of unprofessional and disrespectful treatment from customer service. On XX/XX/XXXX, I spoke with a supervisor named XXXX ( XXXX ), who was dismissive, rude, and made no effort to investigate my account. She spoke over me, twisted my words, and ended the call by saying the conversation was not productive. Im requesting that this call be reviewed due to the lack of professionalism and poor conduct. Since XX/XX/XXXX was a Sunday, I called the collections department on Monday, XX/XX/XXXX. Unfortunately, I experienced similar treatment from another supervisor, who was also rude, arrogant, and unhelpful. Again, I request that this call be reviewed and that XXXX XXXX take accountability for the poor customer service and failure to resolve this issue. This experience is part of a broader pattern. For example, I initially opened a secured credit card with XXXX XXXX, which was never graduated to unsecured status despite responsible use. In XXXX, I also received incorrect information from a loan specialist regarding a vehicle loan, which resulted in an unnecessary hard inquiry on my credit report. After making consistent payments and finally paying off my loan, I expected a positive outcome not a damaging and unexplained derogatory mark.
Frequently Asked Questions
What is Complaint #15103196 about?
Complaint #15103196 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 2025-08-05T12:00:00-05:00.
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.