Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7165650
Complaint Overview
Complaint ID: 7165650
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: Oregon
ZIP Code: 97217
Date Received: 2023-06-25T12:00:00-05:00
Date Sent to Company: 2023-06-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
In XXXX I fell behind on my XXXX XXXX XXXXXXXX credit card account and it went into collections. I paid the account in full in XX/XX/XXXX. Shortly thereafter the XXXX XXXX XXXX credit card entry was removed entirely from all 3 reporting agencies. Recently I received an alert that a new line of credit was reported by XXXX XXXX XXXX. It is showing as a charge off paid in full ; however, instead of showing the original delinquency date in XXXX ; it is making it appear as if it was charged off in XXXX. I asked Experian to correct and they made it worse. My score dropped XXXX points as Experian is showing it as a XXXX and current charge off now as of XX/XX/XXXX. Experian Report Snapshot : Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXXXXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. {$5700.00} written off. ( INCORRECT ) Status updated XX/XX/XXXX XXXX balance {$12000.00} Monthly payment - Last payment date I paid in full so the {$5700.00} write off is incorrect. In addition the charge off was in XXXX NOT XX/XX/XXXX Experian and XXXX XXXX XXXXXXXX continue to try to re-age the debt when its been almost 7 years.
Frequently Asked Questions
What is Complaint #7165650 about?
Complaint #7165650 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 2023-06-25T12:00:00-05:00.
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.