Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15190495
Complaint Overview
Complaint ID: 15190495
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: Georgia
ZIP Code: 30331
Date Received: 2025-08-09T12:00:00-05:00
Date Sent to Company: 2025-08-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I filed a dispute through the CFPB ( complaint ID XXXX ) regarding an inaccurate XXXX XXXX account ( Account XXXX ) on my Experian credit report. In my dispute letter, I requested full legal validation of the account, including a signed contract, itemized account history, proof of legal ownership or assignment, evidence of the right to report to credit bureaus, and IRS Form 1099-C if the account was charged off or forgiven ( per IRS Code 6050P ). On XX/XX/year>, XXXX responded in writing that they could not investigate my dispute because it allegedly lacked specific facts or information. This is incorrect ; my dispute contained my full name, address, and the exact account number as it appears on my credit report. This meets the identification requirements under 12 C.F.R. 1022.43 ( b ). Despite having had more than 30 days since my original dispute, XXXX has provided none of the requested documentation and no legal validation of the account. They have also continued to furnish this information to Experian, which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), requiring furnishers to report complete and accurate information. Because XXXX only reports to Experian, deletion from Experian would fully remove this account from my credit history. I am requesting that XXXX either : Provide full legal validation of the account, including : A signed contract or agreement Itemized billing statements or complete account history Proof of legal ownership or assignment of the debt Evidence of the legal right to report the account to Experian IRS Form 1099-C if the debt was charged off or forgiven OR Immediately request deletion of the account from Experian in compliance with FCRA 1681i ( a ) ( 5 ) ( A ), due to failure to verify the accuracy of the information within the statutory timeframe.
Frequently Asked Questions
What is Complaint #15190495 about?
Complaint #15190495 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 2025-08-09T12:00:00-05:00.
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.