Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17813953
Complaint Overview
Complaint ID: 17813953
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: Alabama
ZIP Code: 352XX
Date Received: 2025-12-07T12:00:00-05:00
Date Sent to Company: 2025-12-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The furnisher is reporting inaccurate and unlawful information to the credit bureaus in violation of the FCRA and Metro 2 standards. This account is being reported with future dates ( Status Updated and Balance Updated showing XXXX ), which is impossible and constitutes false reporting and re-aging, violating FCRA 605 ( a ) and 623 ( a ) ( 1 ). The furnisher also failed to provide a legally required Date of First Delinquency ( DOFD ) under FCRA 623 ( a ) ( 5 ). Without a DOFD, the credit bureaus can not legally keep or update this account. The account includes missing required fields, including correct terms, payment history, and delinquency date. The furnisher is reporting past-due amounts without supplying accurate, complete, or verifiable data, violating Metro 2 guidelines and FCRA 623 ( a ) ( 2 ) ( accuracy and completeness ). I am requesting a full investigation into the furnishers illegal reporting practices and immediate correction or deletion of this account from all credit bureaus due to inaccurate and unverifiable reporting.
Frequently Asked Questions
What is Complaint #17813953 about?
Complaint #17813953 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 2025-12-07T12:00:00-05:00.
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.