Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18331382
Complaint Overview
Complaint ID: 18331382
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: Texas
ZIP Code: 75078
Date Received: 2025-12-28T12:00:00-05:00
Date Sent to Company: 2025-12-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
am submitting this complaint regarding the WebBank/Avant credit card currently reporting on my XXXX Experian, and XXXX credit reports. This account is being reported as open with a balance exceeding the stated credit limit, and the information has been verified through the automated OSCAR system despite my disputes. No documentation has been provided showing a valid permissible purpose for continued reporting as required under 15 U.S.C. 1681b. Verification through automated OSCAR responses does not satisfy FCRA requirements when accuracy, authorization, and ownership are disputed. Additionally, reporting a balance higher than the credit limit without proper explanation is inconsistent with Metro 2 reporting standards, resulting in misleading and inaccurate credit data. Further, I have submitted an Identity Theft Report and fraud statement, and a theft/fraud block is currently placed on my credit file pursuant to 15 U.S.C. 1681c-2. Continued reporting of this account without validating documentation violates my rights under the FCRA, as the account is disputed as fraudulent and unauthorized. I am requesting CFPB assistance to require : 1. Documented proof of permissible purpose under 15 U.S.C. 1681b 2. A lawful investigation beyond automated OSCAR verification, including original account documentation 3. Deletion of this account if compliance and authorization can not be demonstrated
Frequently Asked Questions
What is Complaint #18331382 about?
Complaint #18331382 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 2025-12-28T12:00:00-05:00.
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.