Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15197326
Complaint Overview
Complaint ID: 15197326
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: Nevada
ZIP Code: 89148
Date Received: 2025-08-10T12:00:00-05:00
Date Sent to Company: 2025-08-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX, I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I provided proper notice of my early move-out due to a job relocation, signed a buyout agreement, and paid the full buyout amount of {$2300.00} on XX/XX/XXXX ( bank statement and agreement attached ). I also paid for professional cleaning before vacating on XX/XX/XXXX. Despite fulfilling my obligations, in XX/XX/XXXX I received an email claiming I still owed rent for XXXX - even though I had vacated in XXXX. I replied that my buyout was fully paid and requested that further inquiries be sent to my attorney. I was never contacted again and received no collection notices. My contact information ( email and phone ) has remained the same since XXXX. I was approved for multiple rentals and purchased a vehicle in XXXX without issue. On XX/XX/XXXX, I discovered through a credit monitoring app that XXXX XXXX XXXX had been reporting a collection account ( Account XXXX XXXXXXXX ) opened on XX/XX/XXXX, in the amount of {$1700.00}, allegedly tied to my former apartment. I had never been notified of this debt. I immediately disputed this account via certified mail with both XXXX and all three credit bureaus on XX/XX/XXXX, attaching all evidence. XXXX has confirmed the account is not reporting. Experian and XXXX have not resolved the matter, and XXXX has not provided proof of the debt. Experian continues to report this unverified collection despite my disputes and evidence. This has caused ongoing credit damage for nearly XXXX years without my knowledge.
Frequently Asked Questions
What is Complaint #15197326 about?
Complaint #15197326 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 2025-08-10T12:00:00-05:00.
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.