Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6070635
Complaint Overview
Complaint ID: 6070635
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: Iowa
ZIP Code: 50320
Date Received: 2022-10-10T12:00:00-05:00
Date Sent to Company: 2022-10-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Account is reporting incorrectly by XXXX, Experian and XXXX. Previously, account reported account status of derogatory with payment status of collection charge of with a balance of {$1200.00}. Recording a date of last payment of XX/XX/XXXX by XXXX while Experian and XXXX XXXX reported no data for date of last payment. payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while experian reported eight consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX and again XXXX XXXX is not reporting any data whatsoever. Information reported on payment history and date of the last payment for XXXX makes no sense as dates do not match and for this reason I had previously disputed account asking to delete immediately as account is a mistake itself. Instead investigation results came back still incorrectly account is now reporting account status of being closed with a payment status of charge off With a balance of {$1200.00}. Recording a date of less active of XX/XX/XXXX by XXXX XXXX and XXXX while experian is reporting a date of last active as XX/XX/XXXX. Data that was being recorded on date of last payment by XXXX has now been deleted giving nothing to show where on payment history XXXX has deleted all payment history replacing it with consecutive charge off as if it was some sort of payment method. Account is now being reported as closed and no payment should be reported on payment history on a dead account. There is no way that all three bureaus can be right if information is coming from the same furniture data. Account is a total mistake itself.
Frequently Asked Questions
What is Complaint #6070635 about?
Complaint #6070635 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 2022-10-10T12:00:00-05:00.
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.