Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15480742
Complaint Overview
Complaint ID: 15480742
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: California
ZIP Code: 90038
Date Received: 2025-08-23T12:00:00-05:00
Date Sent to Company: 2025-08-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I submitted a mailed dispute to Experian on XX/XX/year> regarding inaccurate student loan information being reported by XXXX. The disputed accounts are outdated, misleading, and contain discrepancies in their reporting, including inconsistencies in status, terms, and balances. My mailed dispute included a copy of my Experian credit report with the accounts clearly identified, a detailed dispute letter explaining the errors, and proper documentation including proof of identity and address. The package was sent via certified mail with tracking and confirmed delivery. Experians response did not address my specific concerns. They returned a general form letter stating that the information was verified as accurate but provided no details about how the reinvestigation was conducted or how the data was verified. One account was marked Updated with no meaningful change to the reporting, while the others remained unchanged. This does not meet the standard of a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). I am requesting that the Consumer Financial Protection Bureau assist in ensuring that Experian complies with its FCRA obligations by properly investigating these disputed accounts and correcting or removing any inaccuracies. The current reporting is harmful to my credit and has not been appropriately addressed despite a formal dispute.
Frequently Asked Questions
What is Complaint #15480742 about?
Complaint #15480742 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 2025-08-23T12:00:00-05:00.
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.