Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16215500
Complaint Overview
Complaint ID: 16215500
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: Information belongs to someone else
State: New Jersey
ZIP Code: 07203
Date Received: 2025-09-26T12:00:00-05:00
Date Sent to Company: 2025-09-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 To Whom It May Concern : This letter serves as a formal dispute regarding inaccurate and unveriable information on my credit report. Despite multiple attempts matter, Experian, Transunion, and Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations The disputed account ( s ) include : XXXX. XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Reported as derogatory/collection, balance {$3200.00}. XXXX. XXXX Acct # XXXXXXXX XXXX XXXX Reported as derogatory/charged off, balance {$2400.00}. XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Reported as derogatory/charged off, balance {$4800.00}. XXXX. XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Reported as derogatory/charged off, balance {$420.00}. XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX Collection account, balance {$1900.00}. Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unveriable information blocked from my credit report proper notice. Additionally, the CFPB has documented Experians, Transunion 's, and Equifax 's systemic failures to investigate disputes properly, including : Conducting sham investigations. Failing to provide consumers with accurate or consistent investigation results. Improperly reinserting deleted information. I have attached supporting documentation to substantiate my claim, including police reports, identity theft adavits, account statement, dispute correspondence, and more. * * DEMAND FOR RESOLUTION * * I demand the immediate deletion or correction of the inaccurate account ( s ) listed above. Please conduct a reasonable investigation, and send conrmation of the results within XXXX days. Sincerely,
Frequently Asked Questions
What is Complaint #16215500 about?
Complaint #16215500 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 2025-09-26T12:00:00-05:00.
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.