Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18209217
Complaint Overview
Complaint ID: 18209217
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: Indiana
ZIP Code: 46229
Date Received: 2025-12-21T12:00:00-05:00
Date Sent to Company: 2025-12-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report along with the required proof of identity, consumer reporting agencies are legally required to block the reporting of the disputed accounts within four ( 4 ) business days. This statutory obligation is mandatory, not discretionary, and does not permit delay, reinvestigation, or continued reporting. The continued reporting of these accounts after receipt of proper documentation constitutes a direct and willful violation of federal law. Any failure to block the accounts as required by 15 U.S.C. 1681c-2 ( a ) ( 1 ) exposes the consumer reporting agencies to civil liability, including but not limited to actual damages, statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o. Furthermore, any reinserted or re-reported information without the strict certification required under 15 U.S.C. 1681c-2 ( a ) ( 5 ) is unlawful and prohibited. No certification that these accounts are accurate and not the result of identity theft has been provided. The continued publication of these accounts after statutory notice has been given is reckless, unlawful, and constitutes noncompliance with the Fair Credit Reporting Act. Immediate corrective action is required to bring the consumer reporting agencies into compliance with federal law. Account List 1. XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Bureaus Reporting : TransUnion, Experian 2. XXXX XXXX XXXX. Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Bureaus Reporting : TransUnion, Equifax 3. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} Bureaus Reporting : TransUnion, Equifax 4. XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Bureaus Reporting : TransUnion, Experian 5. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Bureaus Reporting : TransUnion, Experian, Equifax
Frequently Asked Questions
What is Complaint #18209217 about?
Complaint #18209217 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 2025-12-21T12:00:00-05:00.
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.