Debt collection -- False statements or representation -- Complaint #16232098
Complaint Overview
Complaint ID: 16232098
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Ohio
ZIP Code: 44108
Date Received: 2025-09-28T12:00:00-05:00
Date Sent to Company: 2025-11-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing inaccurate, misleading, and unverified credit reporting by Experian, XXXX, XXXX, XXXX, and several specialty agencies XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Despite multiple disputes, these agencies continue to report : Contradictory closure dates ( e.g., XXXX XXXX closed as of XX/XX/XXXX in XXXX and XXXX, but Experian reports closure in XX/XX/XXXX ). False late payment history ( e.g., XXXX reports XXXX late marks for XXXX despite a {$0.00} balance XXXX XXXX reports none ). Inflated balances/utilization ( e.g., XXXX Bank shows {$220.00} balance against a {$200.00} limit at XXXX, creating a false 110 % utilization ). Misleading derogatory notations such as Charged Off or Profit and Loss Write-Off on accounts that were closed with {$0.00} balances ( e.g., XXXX XXXX, XXXX, XXXX Bank ). Inconsistent derogatories where one bureau shows Paid/Closed/OK while another bureau continues to show derogatory remarks. Additionally, I have requested validation and the Original Purchase Agreement ( OPA ) for each account reported. None of the agencies or furnishers have produced this documentation, despite my formal demands. Without an OPA signed by all parties, these debts are unverified and should not be reported. Key examples : XXXX XXXX ( # XXXX ) : Different bureaus report different closure dates and false late payments despite {$0.00} balance. XXXX : Paid in full at XXXX, but reported as charge-off/derogatory at XXXX and Experian. XXXX XXXX : TransUnion shows {$0.00} balance, no derogatories ; XXXX and Experian report false late payments and balances. XXXX : Reported both Paid/Closed and Charged Off across bureaus. XXXX Bank ( # XXXX ) : Reports false 90119 day late history and inflated balance vs. credit limit. These contradictions are materially misleading, damaging, and in violation of the FCRA and FDCPA.
Frequently Asked Questions
What is Complaint #16232098 about?
Complaint #16232098 was filed against Experian Information Solutions INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-09-28T12:00:00-05:00.
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 (Debt collection) 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.