Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4980687
Complaint Overview
Complaint ID: 4980687
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: Account status incorrect
State: New Jersey
ZIP Code: 086XX
Date Received: 2021-12-06T12:00:00-05:00
Date Sent to Company: 2021-12-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
A claim was submitted on XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX for wrongful credit reporting acts according to FCRA guidelines, violations of the SCRA and violation of OCC charge off guidelines by XXXX XXXX XXXX XXXX. The Case numbers are XXXX and XXXX. Ally responded for the complaints on behalf of XXXX XXXX XXXX XXXX and deleted the trade line from XXXX XXXX XXXX credit profile ; however, DID NOT delete the trade line from XXXX XXXX XXXX credit profile. The account in dispute was a joint account and the non-monetary relief should have been for both credit profiles. As of XX/XX/XXXX Experian is showing 2 separate charge offs for XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX which is clearly an additional violation of FCRA as XXXX responded on XX/XX/XXXX on both cases that they requested the consumer credit reporting agencies to update their records regarding the account and have the trade-in deleted based on the date of the first delinquency. This action was only requested for XXXX XXXX XXXX and not for XXXX XXXX XXXX which needs to be rectified immediately! This was a joint account the same non-monetary relief should have been given to the co-applicant, XXXX XXXX XXXX.
Frequently Asked Questions
What is Complaint #4980687 about?
Complaint #4980687 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 2021-12-06T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.