Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7275019
Complaint Overview
Complaint ID: 7275019
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: Illinois
ZIP Code: 60446
Date Received: 2023-07-19T12:00:00-05:00
Date Sent to Company: 2023-07-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to voice my concern regarding the unresolved issue related to my vehicle loan account, which was recently taken to court and subsequently settled on XX/XX/2023. It has come to my attention that despite the court settlement, XXXX XXXX XXXX has failed to update my credit profile with accurate and updated information. This action is not only unprofessional but also violates the provisions and rights outlined by the Fair Credit Reporting Act ( FCRA ). I would like to reiterate that the matter in question was brought before a court of law, where a settlement was reached, outlining the terms and conditions for resolving the dispute. As a responsible consumer, I have abided by these terms and promptly fulfilled my financial obligations as specified in the settlement agreement which was for the amount of XXXX. This amount was paid in court in front of the judge in the form of a cashier 's check. However, to my dismay, the inaccuracies regarding this account persist on my credit profile. This erroneous reporting has adversely affected my creditworthiness and financial well-being, hindering my prospects for accessing credit when needed. I believe it is within my rights as a consumer to have accurate information reflected on my credit report, as enforced by the FCRA. I have reached out to the creditor multiple times and nothing has changed or has been resolved. I have disputed this account with all XXXX credit bureaus and provided them court documents to prove the inaccuracies and it still came back as " VERIFIED '' by the creditor. I trust that you will address this matter expeditiously and amicably, understanding the significance of maintaining accurate credit reporting. I strongly believe that our dispute has been amicably resolved in a legal setting, and it is, therefore, imperative that the creditor uphold their obligation to report this correctly to the credit bureaus.
Frequently Asked Questions
What is Complaint #7275019 about?
Complaint #7275019 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 2023-07-19T12:00:00-05:00.
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.