Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5245272
Complaint Overview
Complaint ID: 5245272
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 77009
Date Received: 2022-02-21T12:00:00-05:00
Date Sent to Company: 2022-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The following accounts listed below do not and have not belonged to me and I request their immediate Deletion from my credit report since they are severely affecting my credit rating. Thank You for your prompt actions into this time sensitive matter. XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX -- High Balance : {$6000.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$5200.00} {$5200.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Joint Joint -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Finance/Personal All Banks -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$5200.00} {$5200.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$5000.00} {$5000.00} -- XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX -- High Balance : {$9500.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$9500.00} {$9500.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Retail, Not Elsewhere Classified -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$4100.00} {$4100.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$10000.00} {$10000.00} -- SYNCB/ASHHOM XXXX Experian XXXX Account XXXX : XXXX XXXX -- High Balance : {$2600.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$2400.00} {$2400.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Finance/Personal Sales Financing -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Profit and loss write-off Credit line closed - consumer request - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$2400.00} {$2400.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$2800.00} {$2800.00} -- XXXX XXXX Experian XXXX Account # : XXXX XXXX -- High Balance : {$1400.00} {$1400.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1400.00} {$1400.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. -- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX XXXX Experian XXXX Account # : XXXX XXXX -- High Balance : {$1400.00} {$1400.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1400.00} {$1400.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. -- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX XXXX Experian XXXX Account # : XXXX XXXX -- High Balance : {$1400.00} {$1400.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1400.00} {$1400.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. -- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- --
Frequently Asked Questions
What is Complaint #5245272 about?
Complaint #5245272 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-02-21T12:00:00-05:00.
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.