Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17792277
Complaint Overview
Complaint ID: 17792277
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: North Carolina
ZIP Code: 28112
Date Received: 2025-12-05T12:00:00-05:00
Date Sent to Company: 2025-12-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this follow-up complaint regarding multiple inaccurate, incomplete, and unverifiable items that continue to be reported on my credit files with Experian, TransUnion, and XXXX. Despite my previous disputes and submission of supporting documentation, the errors remain unresolved, and my credit reports continue to misrepresent my true financial history. My reports still list charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$7300.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$21000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$11000.00}. The reported dates of first delinquency and other account details remain incorrect. This continued misreporting violates FCRA 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ), and negatively impacts my creditworthiness. The collection account reported by XXXX XXXX, originally XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$3900.00}, still lacks proper verification, in violation of FDCPA 807, 808, and 809. Previous disputes with the credit bureaus have not resulted in meaningful reinvestigation or correction of this account. Additionally, unauthorized hard inquiries from XXXX XXXX and XXXX XXXX XXXX dated XX/XX/year> remain on my credit files without permissible purpose, violating FCRA 604 ( a ), 605 ( a ), and 611. These inquiries should be promptly investigated, verified, and removed if they can not be properly substantiated.
Frequently Asked Questions
What is Complaint #17792277 about?
Complaint #17792277 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 2025-12-05T12:00:00-05:00.
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.