Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16586148
Complaint Overview
Complaint ID: 16586148
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: South Carolina
ZIP Code: 293XX
Date Received: 2025-10-14T12:00:00-05:00
Date Sent to Company: 2025-10-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint to dispute multiple inaccurate and unverifiable items appearing on my credit reports with TransUnion ( TU ), Experian ( EX ), and Equifax ( EQ ). These accounts are either reporting incorrect balances, are outdated, or were not validated according to federal credit reporting laws. Despite my previous attempts to resolve these issues directly with the credit bureaus and creditors, these items continue to be reported inaccurately, damaging my credit profile and ability to obtain fair credit. This complaint is being filed in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which guarantee accurate and verifiable reporting of consumer credit information. XXXX. XXXX XXXX XXXX ( XXXX ), XXXX. Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported By : TU, EX, EQ Reported Dates : XX/XX/XXXX Balance : {$4200.00} This account is being reported across all three bureaus, but it is beyond the seven-year reporting period allowed by FCRA 605 ( a ) ( 4 ). It should have been removed by now. Continued reporting of this account is inaccurate and unlawful. XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported By : TU, EX Reported Dates : XX/XX/XXXX Balance : {$0.00} This account was settled and closed years ago, yet it remains listed on my report. The furnisher has failed to provide validation or update the status to reflect closure, violating FCRA 611 ( a ). XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported By : TU, EQ Reported Dates : XX/XX/XXXX Balance : {$0.00} This account shows as charged off with a {$0.00} balance. Since the debt has been resolved, the furnishers continued reporting of charge-off status is misleading and inconsistent with FCRA guidelines for accurate reporting. XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported By : EX Reported Date : XX/XX/XXXX Balance : {$2200.00} This account appears to be inaccurately reported with inconsistent payment history and no verification documents provided. I have not received a valid debt validation notice as required by 15 U.S.C. 1692g. XXXX. XXXX XXXX. Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported By : EX Reported Dates : XX/XX/XXXX XX/XX/XXXX Balances : {$0.00} {$270.00} XXXX accounts are duplicated and inconsistently reported, showing conflicting balances and open dates. Some appear to have been paid in full but still report incorrectly. These entries create confusion and lower my credit score inaccurately. Multiple hard inquiries were made on my credit reports that I did not authorize. These include : TransUnion : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries appear to be tied to auto finance applications I did not initiate or approve. I have no record of applying for these accounts, and their presence constitutes unauthorized access to my credit file in violation of FCRA 604 ( a ).
Frequently Asked Questions
What is Complaint #16586148 about?
Complaint #16586148 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 2025-10-14T12:00:00-05:00.
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.