Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7303819
Complaint Overview
Complaint ID: 7303819
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: Texas
ZIP Code: 799XX
Date Received: 2023-07-25T12:00:00-05:00
Date Sent to Company: 2023-07-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to bring to your attention a concerning issue I have been facing with XXXXXXXX XXXX XXXX credit reporting practices. I believe they have inaccurately reported my payment history, resulting in significant damage to my credit profile. Over the past few months, XXXXXXXX XXXX has been reporting my payments as late or not received, even though I have consistently made on-time payments. This erroneous reporting has led them to indicate non-payment for periods of 30 to 60 days, which is not reflective of my actual payment behavior. Due to XXXXXXXX XXXX XXXX incorrect reporting, my credit score has suffered immensely. As a direct consequence of their actions, another credit card servicer has significantly reduced my credit limit. This negative information has caused my credit score to drop by a staggering XXXX points, severely impacting my financial opportunities and peace of mind. I have taken the initiative to review my credit report from all major credit bureaus and have identified these inaccuracies specifically attributed to XXXXXXXX XXXX. I have evidence of my consistent, timely payments, including bank statements and payment receipts, which I am willing to provide as proof of my responsible credit behavior. I have attempted to contact XXXX XXXX on multiple occasions to rectify this situation, but regrettably, their responses have been unhelpful, leaving me frustrated and concerned about the potential long-term consequences of these inaccuracies. I am reaching out to the Consumer Financial Protection Bureau with the hope that you can assist me in addressing this matter promptly and effectively. I kindly request your intervention to investigate the inaccuracies reported by XXXX XXXX and ensure they comply with the Fair Credit Reporting Act ( FCRA ) and all other relevant consumer protection laws. XXXX is flagrantly disregarding fair practices.
Frequently Asked Questions
What is Complaint #7303819 about?
Complaint #7303819 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 2023-07-25T12:00:00-05:00.
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.