Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17376673
Complaint Overview
Complaint ID: 17376673
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 status incorrect
State: Hawaii
ZIP Code: XXXXX
Date Received: 2025-11-19T12:00:00-05:00
Date Sent to Company: 2025-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
RE : Disputing Inaccurate and Outdated Information on Credit Report Account Name : XXXX XXXX XXXX Number : XXXX I am writing to formally dispute the accuracy and retention period of the information listed on my credit report from Experian regarding the account with XXXX XXXX XXXX. The report, dated XX/XX/XXXX, contains critical inaccuracies concerning the account status, payment history, and retention period that violate the Fair Credit Reporting Act ( FCRA ) and must be corrected or deleted. Discrepancy XXXX : Inaccurate Retention Period and Account Deletion RequestT he account information indicates the account is scheduled to continue On Record Until XXXX XXXX account was charged off ( CO ) in XXXX XXXX negative payment history began in XX/XX/XXXX. The negative reporting period of XXXX years should start from the date of the first delinquency that led to the charge-off. Furthermore, my records indicate the account was actually opened on XX/XX/XXXX, which is before the XX/XX/XXXX date listed on your report.Given that the account is listed as a XXXX XXXX and the first major delinquency was in late XXXX, the statutory seven-year reporting period should have expired or be nearing expiration much sooner than XX/XX/XXXX. I request that you verify the true date of first delinquency for this account and, as this item is well past the legally allowable reporting period, I demand the immediate deletion of this entire account from my credit report. Discrepancy XXXX : Inconsistent Status and Payment History Dates The following dates are inconsistent and need correction : Field Currently Reported ( Inaccurate ) Required Correction ( Evidence of Inaccuracy ) Status Updated XX/XX/XXXX. The payment history clearly shows " XXXX XXXX '' ( CO ) marks in months after XX/XX/XXXX, including XXXX, XXXX, XXXX, XXXX, and XXXX. The Status Updated date should reflect the latest activity, which appears to be XX/XX/XXXX, as the balance is past due as of " XX/XX/XXXX '' and the balance was updated on " XX/XX/XXXX ''. Payment History ( XXXX ) Inconsistent reporting of CO ( Charge Off ) and ND ( No Data for this period ) The history shows CO for XXXX XXXX, then switches to ND from XX/XX/XXXX through XX/XX/XXXX, and then switches back to CO from XXXX XXXX through XX/XX/XXXX. This intermittent and fluctuating status reporting of a charged-off account is confusing, inconsistent, and inaccurately reflects the account 's history.The current information is labeled as POTENTIALLY NEGATIVE and is severely impacting my credit standing. I request that you investigate this matter immediately, correct or delete the inconsistent and inaccurate reporting, and send me the results of your investigation, along with a free updated copy of my credit report.
Frequently Asked Questions
What is Complaint #17376673 about?
Complaint #17376673 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 2025-11-19T12:00:00-05:00.
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.