Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5564195
Complaint Overview
Complaint ID: 5564195
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 information incorrect
State: Florida
ZIP Code: 32811
Date Received: 2022-05-15T12:00:00-05:00
Date Sent to Company: 2022-05-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
For nearly a year I have been disputing with this credit bureau that XXXX XXXX XXXX account number XXXX is reporting inaccurately on my credit report and I have asked them to delete it and they have refused. On my experian credit report it says that the XXXX XXXX XXXX account is paid in full and the date of that payment was on XX/XX/XXXX. On the credit report it also states that the account was in good standing in XX/XX/XXXX. So, how can it be that the account is paid in full and no balance is owed. The last payment was on XX/XX/XXXX and the account was in good standing in XX/XX/XXXX so how then can Experian be reporting that the account went into delinquency on XX/XX/XXXX. That makes no sense. Experian is reporting that this account has a XXXX balance owed and the account was paid in full on XX/XX/XXXX but yet they are reporting that the account went into a charged off status in XXXX of XXXX which is false and makes no sense. On the same credit report under the heading ''Scheduled Payment Amount '' its says that it has no data. Experian is therefore saying that they have no record of my payment and when I made it yet they are reporting that the last payment was made on XX/XX/XXXX. This makes no sense. This credit report is incomplete and inaccurate and under the Fair Credit Reporting Act when ever an account is incomplete and in accurate then such account should be deleted. On the same credit report under the heading, '' Actual Amount Paid '' it says that it has no data. So, Experian has no data on any payments made by me on this account but yet they are saying that the last payment on this account was made on XX/XX/XXXX. This makes no sense. The XXXX XXXX XXXX account is incomplete and inaccurate and this account should be deleted from my credit report immediately. I got a dcument from XXXX XXXX XXXX stating that this credit bureau never contacted them so as to verify this account. My lawyers are using document as a means to file a lawsuit against Experian should they refuse to delete XXXX XXXX XXXX from my credit report.
Frequently Asked Questions
What is Complaint #5564195 about?
Complaint #5564195 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 2022-05-15T12:00:00-05:00.
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.