Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4436492
Complaint Overview
Complaint ID: 4436492
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: Illinois
ZIP Code: 60653
Date Received: 2021-06-06T12:00:00-05:00
Date Sent to Company: 2021-06-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
I'm having numerous issues with Experian Credit Bureaus first and foremost they show npupdating information to credit report, there's a lot misinformation that has cause me to denied credit. Second of all the credit scores they perpetuate are racially bias because scoring system they use show a high risk delinquency and default which is not the case with me. I will you prime example their XXXX scoring is XXXX XXXX Bank uses Experian to look at my creditworthiness ( in scoring me under their FICO system ) they deliberately leave ( 2 ) month information in the system that is outdated : too many inquiries in the last year on XXXX there's only one inquiry, XXXX there show no inquiry, but on Experian they're showing three why? As for the scores XXXX is showing a XXXX score XXXX is show XXXX and Experian is XXXX score again why is there large disparity in score with same information. I feel disproportionately targeted these judgments are then listed on my credit reports, which drive my credit score and limiting any opportunities for better rates. The factor with Experian inability or unwillingness to remove outdated information is the case with XXXX XXXX XXXX where they has inquiry on credit report after apply for their with the understanding it wouldn't impact my credit why is it that Experian has not removed this inquiry/ This show how outdated information has effected my ability to get credit , drive down my score and lead other creditors to look at history and score in a negative way I'm going attached a host information to prove my point. I've spoken with them on a numerous occasions regarding this matter but I was unable to get them to review the matter. They informed to speak with creditors regarding the matters. How do speak to someone with information that's two months old/
Frequently Asked Questions
What is Complaint #4436492 about?
Complaint #4436492 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-06-06T12:00:00-05:00.
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, credit repair services, 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.