Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5076102
Complaint Overview
Complaint ID: 5076102
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: Information is missing that should be on the report
State: West Virginia
ZIP Code: 256XX
Date Received: 2022-01-05T12:00:00-05:00
Date Sent to Company: 2022-01-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I have had an exceptional payment history for at least 10 months now after a bankruptcy last year. No missed payments, paid a loan off and picked up another small one to continue to help build my credit. My credit score dropped by 20 points last month for no reason whatsoever. I have called and tried to get them to explain and they told me they couldnt because they were not qualified to do it. I am under the impression that they are trying to get a little retribution because I sent them a couple of letters, emails, and made some phone calls to try and make them do their job or we would be meeting on the inside of a XXXX XXXX XXXX to let a judge figure it out and they are making an attempt to retaliate against me for it. I made a point to tell them that I am very serious about my credit file now that I have went through a bankruptcy to get a clean slate. Apparently they think I am joking. I missed 2 payments on a car loan in XXXX and XXXX of XXXX but since I havent missed a payment on anything and my credit score has been going down regularly over the last several months. I have had to contact them 5 or 6 times over the course of the last year to try to get information corrected and investigated and they have literally done nothing. They are always wanting to tell me they are reporting what is being reported to them but I am calling my creditors and they are giving me the dates of every time they report to the credit companies but the credit companies will go three or four months sometimes without updating my file with the information that my creditors are giving me and only after I call and complain or dispute are they forced to do their job and at times they still do not do it. I think they should be thoroughly investigate and criminal complaints need to filed against them I will be more than happy to put my signature to them. I have had quite enough of their garbage and they have been warned by me personally several times. I would appreciate anything the CFPB could do to help me in this matter. We will be visiting court if this can not be resolved through this body but I am doing my due diligence to try and get things taking care of before the papers go out. Thank you.
Frequently Asked Questions
What is Complaint #5076102 about?
Complaint #5076102 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 2022-01-05T12:00:00-05:00.
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.