Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16969188
Complaint Overview
Complaint ID: 16969188
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: New York
ZIP Code: XXXXX
Date Received: 2025-11-01T12:00:00-05:00
Date Sent to Company: 2025-11-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaints as a concerned consumer regarding an account reported under XXXX ( Account ending in XXXX ). According to my credit report, this account shows a 120-days late payment reported in XX/XX/XXXX, with a balance of {$890.00}, opened on XX/XX/XXXX, and last active on XX/XX/XXXX. This late reporting, however, does not accurately reflect my true payment history or the actual events that occurred on this account. When I initially opened this account, I maintained consistent payments and communication with the creditor. There was never a verified instance of a late or delinquent payment that aligns with what is being shown. The reporting of this account as Late Open gives a misleading impression of irresponsibility that contradicts my documented payment pattern and correspondence with the lender. Under 15 U.S.C. 1681i ( a ) ( Section 611 of the Fair Credit Reporting Act ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Upon receiving this letter, you are obligated to conduct a reasonable reinvestigation to verify the accuracy of this entry. If you can not verify it with proper documentation from the original creditor, it must be corrected promptly. Additionally, 15 U.S.C. 1681s-2 ( b ) requires furnishers of information to correct and update any inaccurate or incomplete data once they receive notice of a dispute. If XXXX can not substantiate this Late Open status with valid records, the entry should be removed or amended to accurately reflect the accounts true standing. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy when preparing consumer reports. Reporting an account as Late Open without definitive proof of such a status is a clear violation of this principle. Lastly, 15 U.S.C. 1681c ( a ) prohibits the inclusion of obsolete or misleading data that misrepresents the consumers payment behaviour. I am therefore requesting that your agency review this account and ensure that it reflects only verified, factual information in accordance with federal law.
Frequently Asked Questions
What is Complaint #16969188 about?
Complaint #16969188 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 2025-11-01T12:00:00-05:00.
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.