Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17851590
Complaint Overview
Complaint ID: 17851590
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: Texas
ZIP Code: 75154
Date Received: 2025-12-08T12:00:00-05:00
Date Sent to Company: 2025-12-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am disputing Experians failure to correct inaccurate reporting on my XXXX XXXX loan account. A debt settlement was negotiated through my consolidation program, and XXXX XXXX accepted modified settlement terms in XX/XX/XXXX. Since that date, payments have been made consistently as agreed under the new terms. However, XXXX XXXX continues to report rolling monthly delinquencies for every month after the settlement was accepted. Reporting new late payments after terms have been renegotiated is factually inaccurate and materially misleading because it portrays the account as still delinquent under the original contractual terms. I disputed this in XX/XX/XXXX and provided documentation confirming that settlement payments have been made each month as agreed. Experian did not conduct a reasonable reinvestigation. They closed the dispute and simply added the notation consumer disagrees, while allowing the inaccurate delinquency reporting to continue. This incorrect status reporting is harming my credit, does not accurately reflect the actual payment status, and violates FCRA requirements for accuracy and reasonable reinvestigation ( 15 U.S.C. 1681i and 1681s-2 ( b ) ). I am asking Experian to update the account to reflect its actual condition under the modified settlement terms ( e.g., Paying as agreed under modified terms or equivalent industry code ) retroactive to XX/XX/XXXX and to stop reporting new delinquencies going forward.
Frequently Asked Questions
What is Complaint #17851590 about?
Complaint #17851590 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 2025-12-08T12:00:00-05:00.
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.