Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5684683
Complaint Overview
Complaint ID: 5684683
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: Utah
ZIP Code: 84057
Date Received: 2022-06-19T12:00:00-05:00
Date Sent to Company: 2022-06-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I disputed the below 7 XXXX accounts with Experian via certified mail ( original letter attached ). In my dispute, I stated, I dispute the validity of these debts due to fraudulent payment attempts made by XXXX. The date of last payment reported by XXXX for all below accounts is XXXX XXXX ; however, payment was not authorized by consumer. I dispute this information and, as per section 609 of the fair credit reporting act, I am entitled to see proof of the source of this information. I also requested XXXX provide to me XXXX ) tangible evidence proving the date of last payment is reported correctly ; that is, evidence XXXX was authorized to debit payment for these accounts in XXXX and did not do so fraudulently, and XXXX. ) to be provided with a copy of the original signed contract agreement for these loans. On XX/XX/XXXX, Experian responded to my dispute with Report Number XXXX, Date Generated XX/XX/XXXX, stating, The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Experian did not provide to me evidence showing the date of last payment is reported correctly or with a copy of the original signed contract agreement for these loans. Experian did not provide to me with any documentation whatsoever proving the validity of what they are reporting on my credit report. Only a statement that the furnished certifies it is accurate, which I continue to dispute. Additionally, it has been brought to my attention that XXXX is reporting false information to Experian related to the date of last payment and date of first major delinquency. According to my records ( attached XXXX loan report ) the date of last payment was with a forbearance payment in XX/XX/XXXX and the date of first major delinquency is XX/XX/XXXX. However, Experian reports date as last payment as XX/XX/XXXX. Experian is required to show evidence of their claim that they are reporting correct information. I disputed this issue with Experian on XX/XX/XXXX. Experian continues to refuse to investigate these disputes and reports false information. This alone is grounds for immediate removal form my credit report. Experian is required under the FCRA to ensure all information they report is 100 % accurate. If this information can not be verified, Experian is required to remove it from my consumer credit report. I do not believe Experian investigated this matter. If XXXX did certify the information is accurate, I am entitled to see proof of this certification, which Experian did not provide to me. If Experian can not provide proof that these XXXX accounts are reported 100 % accurate, then they MUST remove them immediately. If Experian continues to refuse to provide proof the information its reports in these XXXX accounts is 100 % accurate and continues to report the accounts on my credit report, I will pursue legal action with a consumer protection attorney.XXXX. ) Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX. ) Account XXXX : XXXX Account XXXX : XXXX XXXX. ) Account XXXX : XXXX Account XXXX : XXXX XXXX. ) Account XXXX : XXXX Account XXXX : XXXX XXXX. ) Account XXXX : XXXX Account XXXX : XXXX XXXX. ) Account XXXX : XXXX Account XXXX : XXXX
Frequently Asked Questions
What is Complaint #5684683 about?
Complaint #5684683 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 2022-06-19T12:00:00-05:00.
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.