Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18276990
Complaint Overview
Complaint ID: 18276990
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: Michigan
ZIP Code: 48504
Date Received: 2025-12-24T12:00:00-05:00
Date Sent to Company: 2025-12-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Experian XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Re : Credit Report Dispute Report Number : XXXX Prepared For : XXXX XXXX To Whom It May Concern, I am writing to formally dispute several items appearing on my Experian credit report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C . 1681 ). The information listed below is inaccurate, incomplete, and/or unverifiable and should be investigated and corrected or removed. Please find the disputed items outlined below : XXXX. XXXX XXXX XXXX Account opened : XX/XX/XXXX Reported status : Charged off, {$300.00} written off, {$100.00} past due Dispute reason : This account is being reported inaccurately. Please verify the accuracy of the charge-off status, balance, and payment history. If this information can not be verified, it must be deleted. XXXX. XXXX XXXX ( Account opened XX/XX/XXXX balance {$10.00} ) Dispute reason : The account information is inaccurate and incomplete. Please verify the balance and status or remove if unverifiable. XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Account opened XX/XX/XXXX Paid, Closed ) Dispute reason : This account is reporting potentially negative information despite being paid and closed. Please correct or remove any inaccurate negative reporting. XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Reported balance : {$1200.00}, with {$790.00} past due Dispute reason : The balance and past-due status are inaccurate and require verification. If accurate reporting can not be substantiated, this account must be corrected or deleted. XXXX. XXXX / XXXX ( Two accounts opened XX/XX/XXXX ) Reported balances : {$9500.00} and {$8300.00} Dispute reason : Please verify the accuracy, ownership, and current status of these accounts. If they can not be verified as accurate and current, they must be corrected or removed. XXXX. XXXX XXXXXXXX XXXX XXXX ( Account opened XX/XX/XXXX balance {$320.00} ) Dispute reason : The reported status and balance are inaccurate or incomplete. Please investigate and correct or remove if unverifiable. XXXX. XXXX XXXX ( Account opened XX/XX/XXXX balance {$170.00}, {$10.00} past due ) Dispute reason : The past-due amount and account status are being reported inaccurately. Please verify or delete. 8. XXXX XXXX XXXX Date filed : XX/XX/XXXX Court : XXXX XXXX XXXX, MI XXXX Dispute reason : Please verify that this public record is being reported accurately, including dates and impact. Any inaccuracies must be corrected or removed. Under the Fair Credit Reporting Act, you are required to conduct a reasonable investigation within 30 days of receipt of this dispute. If the information can not be verified with the original data furnishers, it must be deleted from my credit file. Please provide written confirmation of the results of your investigation and an updated copy of my credit report once the corrections are completed. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #18276990 about?
Complaint #18276990 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 2025-12-24T12:00:00-05:00.
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.