Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17456229
Complaint Overview
Complaint ID: 17456229
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: Pennsylvania
ZIP Code: 184XX
Date Received: 2025-11-23T12:00:00-05:00
Date Sent to Company: 2025-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Inaccurate Reporting of Closed Credit Card Account by Experian I am filing this complaint because Experian is reporting materially inaccurate information about a closed credit card account that was formerly a XXXX XXXX Credit Card and is now serviced by XXXX XXXX XXXX. Nature of the Error : Experian continues to report the account as open, despite the account having been formally closed. This misreporting creates the false appearance that I have available revolving credit, which I do not, and it is adversely affecting my credit profile. Evidence Provided : I have included the following documentation to substantiate the inaccuracy : XXXX Dispute Results.pdf ( demonstrates that Equifax has correctly updated the account to closed ) XXXX Credit Report XXXX ( shows the corrected closed status ) Experian Credit Report.pdf ( shows Experian is still reporting the account as open ) Experian Dispute Results.pdf ( Experian claims they could not resolve the dispute XXXX XXXX XXXX XXXX ( for cross-reference of reporting discrepancies ) XXXX ( original XXXX XXXX Credit Card closure documentation ) Direct Communication with the Furnisher : I contacted XXXX XXXX XXXX, and they confirmed the account is closed. However, they stated they will continue reporting the account as open until the remaining balance is paid, despite acknowledging its closed status. This is intentionally misleading and contrary to accurate reporting obligations. Additional Inaccuracies : Experian is also inaccurately reporting this account as a joint account, even though it has never been a joint account.
Frequently Asked Questions
What is Complaint #17456229 about?
Complaint #17456229 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 2025-11-23T12:00:00-05:00.
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.