Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7038395
Complaint Overview
Complaint ID: 7038395
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: Ohio
ZIP Code: 43016
Date Received: 2023-05-28T12:00:00-05:00
Date Sent to Company: 2023-05-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Back in XX/XX/XXXX, I disputed an account from XXXX ( Account # XXXX ) who are reporting to XXXX, Experian, and XXXX. I claimed the account was being reported as inaccurate and incomplete and after 30 XXXX, Experian, and XXXX sent a reply back stating they investigated and claimed the account is verified. Over a few months I received credit reports from the original creditor, annual credit report, and XXXX. Each of them shows that this account is still being reported as inaccurate, incomplete, and mismatching information between the three Credit Bureaus. Ive listed all the inaccuracies and mismatches Experian continues to report. Reports account Date closed does not match XXXX and XXXX o Experian XX/XX/XXXX o XXXX reports XX/XX/XXXX o XXXX Missing info Reports Charged off date before account closed date reported by XXXX o Reported Charged off date XX/XX/XXXX o XXXX Date Closed XX/XX/XXXX Charge off date doesnt match with XXXX o Reported Charged off date XX/XX/XXXX o XXXX reports Charge off date on XX/XX/XXXX Reports Payment Status o Reports 60 days late o Account Status reports Charged off Maximum Date and Charged off Date does not match o Maximum Date XX/XX/XXXX ( Defined as Date the worst status was reached ) o Charged off XX/XX/XXXX Payment history for XX/XX/XXXX doesnt match with XXXX XXXX XXXX 60 days late o XXXX reports Charged off Payment history for XX/XX/XXXX doesnt match with XXXX o Reports 30 days late o XXXX reports 60 days late Date of last activity does not match XXXX and XXXX XXXX Reports XX/XX/XXXX o Experian XX/XX/XXXX o XXXX XX/XX/XXXX From the evidence above, XXXX, XXXX , and Experian can not be verified as accurate therefore Experian is in violation of FCRA 1681e ( b ), which they are not assuring maximum possible accuracy of the information.
Frequently Asked Questions
What is Complaint #7038395 about?
Complaint #7038395 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 2023-05-28T12:00:00-05:00.
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.