Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5341218
Complaint Overview
Complaint ID: 5341218
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: Maryland
ZIP Code: XXXXX
Date Received: 2022-03-19T12:00:00-05:00
Date Sent to Company: 2022-03-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I've spoken with representatives from this company at least 2 times per month beginning XX/XX/XXXX. They offered me accommodations due to Covid-19 by moving my due date and allowing payment arrangements until account is caught up prior to my account becoming late. PURSUANT to the federal cares act 15 U.S.C. 1681 if a furnisher was offering accomodations prior to an account becoming past due, the creditor/furnisher must continue to report the account as current. XXXX did the opposite. They reported false, inaccurate info to the XXXX major credit bureaus in XX/XX/XXXX and now because I filed a dispute with the credit bureaus they have now retaliated against me and reported past due in XX/XX/XXXX, as well. This is illegal and in violation of law. I've spoken with XXXX and advised him of the law ( Cares Act ). XXXX has refused to continue to report my account as current affecting my credit score and the ability for me to get Financial assistance from the XXXX ( XXXX XXXX XXXX ) due to a XXXX point drop in my credit score. This is my final attempt before filing in federal court.
Frequently Asked Questions
What is Complaint #5341218 about?
Complaint #5341218 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 2022-03-19T12:00:00-05:00.
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.