Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17127653
Complaint Overview
Complaint ID: 17127653
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: Account information incorrect
State: California
ZIP Code: 93727
Date Received: 2025-11-09T12:00:00-05:00
Date Sent to Company: 2025-11-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : False and unverifiable collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection account for XXXXXXXX XXXX XXXX with an open date of XX/XX/year> a future date. It is currently XX/XX/year>, which makes this entry factually impossible and a violation of federal reporting laws. This tradeline violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 607 ( b ) Failing to maintain maximum possible accuracy FDCPA 807 ( 2 ) ( A ) Misrepresenting the amount, character, or legal status of a debt FDCPA 809 ( b ) Failure to provide validation of the debt upon request I have * * never received any validation or itemized accounting * * for this alleged apartment balance, and no lease documents or final statement have been provided to verify the amount claimed. Additionally, the account is being reported as * * active and opened in the future * *, which is a clear data fabrication or system error. Under FCRA 611 ( a ) ( 1 ) ( A ), information that can not be verified must be deleted immediately. I am requesting that the CFPB require XXXX XXXX XXXX to : 1. Provide a full validation package including signed lease, move-out statement, and payment ledger ; XXXX XXXX XXXX XXXX XXXX 2. Delete this unverifiable and inaccurate tradeline from all credit bureaus within 30 days. This false reporting is materially damaging my credit and preventing housing approvals.
Frequently Asked Questions
What is Complaint #17127653 about?
Complaint #17127653 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 2025-11-09T12:00:00-05:00.
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.