Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15807037
Complaint Overview
Complaint ID: 15807037
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: Illinois
ZIP Code: 60076
Date Received: 2025-09-08T12:00:00-05:00
Date Sent to Company: 2025-09-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am demanding immediate removal of the XXXX account being inaccurately reported on my credit file. This account is fraudulent, closed in XXXX, and yet continues to be updated derogatorily in XXXX, XXXX, and XXXX. The data furnisher ( XXXX ) and the credit bureau are in direct violation of federal credit reporting laws. Violations Identified : 1. Illegal Re-Aging The account shows new late payments in XXXX, despite closure in XXXX and last activity in XXXX. This violates FCRA 623 ( a ) ( 5 ). 2. Exceeding 7-Year Reporting Period By law, under FCRA 605 ( a ), derogatory accounts may not be reported beyond 7 years. Continued reporting in XXXX is unlawful. 3. False Balance Reporting Highest balance reported as {$0.00}, yet current balance listed as {$310.00}. This inconsistency violates FCRA 607 ( b ) accuracy requirements. 4. Fabricated Payment History Showing 75 late payments ( XX/XX/XXXX entry ) is impossible and constitutes knowingly furnishing false information ( FCRA 623 ( a ) ( 1 ) ( A ) ). 5. Failure to Mark Fraudulent Dispute As this account was reported as fraud, the bureaus are required to mark it properly under FCRA 623 ( a ) ( 3 ). They have failed to do so. 6. Ongoing Willful Harm Each update is an intentional act of re-aging, prolonging damage to my credit standing in violation of FCRA 616 & 617. DEMAND FOR ACTION : - Immediate and permanent deletion of this Discover tradeline from all credit bureau reports. - Written confirmation of deletion within 15 days. - Full investigation into XXXX unlawful re-aging and false reporting practices. If this account is not immediately deleted, I will escalate with legal counsel and file additional actions for damages under FCRA 616617.
Frequently Asked Questions
What is Complaint #15807037 about?
Complaint #15807037 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 2025-09-08T12:00:00-05:00.
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.