Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16064589
Complaint Overview
Complaint ID: 16064589
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: Texas
ZIP Code: 756XX
Date Received: 2025-09-19T12:00:00-05:00
Date Sent to Company: 2025-09-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding inaccurate and misleading reporting of late payments on my credit report, which has severely harmed my credit standing. These reports are not consistent with the account history and are being furnished in violation of my rights under the Fair Credit Reporting Act ( FCRA ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} * * Reported as 30 days late from XX/XX/XXXX through XX/XX/XXXX. This reporting is inaccurate and does not reflect the true payment history of this account. Multiple late notations across several months misrepresent the account status and appear to be excessive or duplicative. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} * * Reported as:90 days late ( XX/XX/XXXX XX/XX/XXXX ) 120 days late ( XX/XX/XXXX ) 150 days late ( XX/XX/XXXX ) This progression of late reporting is not consistent with proper credit reporting standards. The account is being shown with escalating delinquencies in a manner that unfairly amplifies negative impact and misrepresents the true circumstances. These errors violate : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring credit reporting agencies to ensure maximum possible accuracy. FCRA 611 [ 15 U.S.C. 1681i ], requiring agencies to investigate and correct disputed information. FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ], which prohibits furnishers from reporting information they know or should know is inaccurate.
Frequently Asked Questions
What is Complaint #16064589 about?
Complaint #16064589 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 2025-09-19T12:00:00-05:00.
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.