Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15593290
Complaint Overview
Complaint ID: 15593290
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: West Virginia
ZIP Code: 263XX
Date Received: 2025-08-28T12:00:00-05:00
Date Sent to Company: 2025-08-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I disputed inaccurate reporting of the XXXX tradeline with Experian in XX/XX/XXXX. Despite providing evidence, Experian failed to ensure complete and accurate reporting as required by FCRA 1681e ( b ) and 1681i. The account shows repossessions and charge-offs but contains entire years of missing data ( all of XXXX and XXXX XXXX marked as XXXX ) and inconsistent status changes. Before the dispute, the account showed XXXX set of statuses ; afterward, Experian only changed the wording from charged off to closed while leaving large gaps in reporting history. This results in a materially misleading record that does not reflect accurate or complete payment history. Under FCRA, consumer reporting agencies must ensure maximum possible accuracy and correct or delete unverifiable information. Experian did not correct these issues and continues to report an incomplete, contradictory tradeline, despite being on notice. I am requesting CFPB assistance to require Experian to either properly verify with the furnisher or delete this account from my file due to failure to meet FCRA accuracy and reinvestigation requirements. Supporting screenshots show the account before and after dispute.
Frequently Asked Questions
What is Complaint #15593290 about?
Complaint #15593290 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-08-28T12:00:00-05:00.
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.