Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5139199
Complaint Overview
Complaint ID: 5139199
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: Nevada
ZIP Code: 89141
Date Received: 2022-01-23T12:00:00-05:00
Date Sent to Company: 2022-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have complained previously about XXXX XXXX reporting a 30 days late ( in XX/XX/XXXX ) on actually day 29 ( not 30 days late ) wthe furnisher received notice of a credit dispute from a credit reporting agency, and ( 2 ) the furnisher thereafter acted in willful or negligent noncompliance with the statute.hihc is in direct violation of federal laws. all the agencies have done asked the XXXX ( furnisher of the report ) to verify the information and XXXX verifies they are reporting correctly however that is FALSE. 15 U.S.C. 1681s-2 ( b ) imposes a duty on furnishers of information to investigate disputed information after receiving notice of a dispute concerning the completeness or accuracy of information from a consumer reporting agency. the furnisher ( XXXX XXXX received notice of a credit dispute from a credit reporting agency, and XXXX XXXX ( the furnisher ) thereafter acted in willful or negligent noncompliance with the statute. still reporting on day 29 instead of day 30... XXXX has willfully neglected to report correctly and therefore is in violation of 15 U.S.C. 1681s-2 ( b ). All there agencies named here ( experian, XXXX, XXXX ) pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, have failed to establish or follow reasonable procedures, and for failure to delete inaccurate information. ee 15 U.S.C. 1681e ( b ) ( " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " ) ; 15 U.S.C. 1681i ( outlining procedures for credit reporting agencies to follow in the case of a disputed accuracy ). See also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX claims against XXXX under 15 U.S.C . 1681e ( b ) and 1681i are due for dismissal because those provisions apply only to consumer reporting agencies. " ). If the agencies continue to not properly investigate the late 30 days reporting incorrectly by the XXXX on XX/XX/XXXX ( late 30 days ) I am left no option but to bring a federal lawsuit for damages against each agency under Fair Credit Reporting Act ( " FCRA '' ) for injury to reputation or creditworthiness for over a {>= $1,000,000}. XXXX can not report alate 30 days date, when they had payment in their possession on day 30. XXXX continues to reprot a late 30 days in XX/XX/XXXX which is incorrect information
Frequently Asked Questions
What is Complaint #5139199 about?
Complaint #5139199 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 2022-01-23T12:00:00-05:00.
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.