Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7355979
Complaint Overview
Complaint ID: 7355979
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: Michigan
ZIP Code: 48228
Date Received: 2023-08-05T12:00:00-05:00
Date Sent to Company: 2023-08-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Dispute and Request for Investigation of Inaccurate Information on my Credit Report I am writing to dispute certain items on my credit report provided by XXXX, Experian, and XXXX. After recently obtaining my consumer report, I have discovered inaccuracies related to the collections accounts associated with the following creditors : XXXX ( account number ending in XXXX ), XXXX ( account number ending in XXXX ), and XXXX XXXX ( account number ending in XXXX ). The inaccuracies that I am disputing are as follows : Incorrect Date of Birth : My date of birth is inaccurately reported as XX/XX/XXXX However, I can provide concrete proof through my official identification and citizenship papers that my correct date of birth is XX/XX/XXXX. Account Opening Date : The accounts with the above-mentioned creditors were reported as opened before I turned XXXX years old. As per my correct date of birth, I was born on XX/XX/XXXX. Therefore, it is evident that these accounts were opened before I reached the age of XXXX, which is incorrect and a violation of credit regulations. I kindly request a thorough investigation into these matters to rectify the discrepancies in my credit report. The presence of these inaccuracies negatively impacts my creditworthiness and financial standing, which may hinder my ability to obtain credit and loans in the future. I can provide copies of my identification documents and citizenship papers to support the verification of my correct date of birth. In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days from the date of receipt of this dispute letter to conduct your investigation and provide me with the results. I request that you promptly send me a written response outlining the actions taken to correct the inaccuracies on my credit report. Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute and look forward to a timely update of my credit report. Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XXXX ( XXXX ) XXXX
Frequently Asked Questions
What is Complaint #7355979 about?
Complaint #7355979 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 2023-08-05T12:00:00-05:00.
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.