Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #7788386
Complaint Overview
Complaint ID: 7788386
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 336XX
Date Received: 2023-11-01T12:00:00-05:00
Date Sent to Company: 2023-11-01T12:00:00-05:00
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 certain inaccuracies in my credit report and to request your assistance in resolving this matter. On XX/XX/XXXX, I contacted Experian regarding the incorrect information present on my credit report. As of today, Experian has not responded to my dispute. I believe that Experian 's handling of this situation may be in violation of the Fair Credit Reporting Act ( FCRA ). The following are the details of the inaccuracies on my credit report and the corrections I am requesting : The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} ) was never late. Please correct/update this inaccurate information on my credit report. The account with US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} ) is not mine. Please remove it from my credit report. The account with US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} ) is not mine. Please remove it from my credit report. The US DEPT ED account ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ) is reported incorrectly. I disagree with the Balance of {$4900.00}, and I recall the amount being lower. Please delete the information regarding the Past Due amount, as this account is closed and charged-off. I request that Experian marks this account as disputed to prevent it from influencing my credit score. The US DEPT ED account ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) is reported inaccurately. The Balance amount of {$2500.00} is inflated and inaccurate. I do not recognize this amount and believe I owe less. The Past Due amount should not be reported as this account is closed and charged-off. Please mark this account as disputed while I attempt to correct this information with the creditor. I found inaccurate information for the US DEPT ED account ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ). I have doubts about the Balance, and the Past Due should not be reported as the account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor, and I request verification of the Date Opened, Date of Status, and First Reported. The US DEPT ED account ( Date Opened : XX/XX/XXXX, Balance : {$7600.00} ) is reported inaccurately. The Balance of {$7600.00} is in question, and the Past Due amount should not be provided as the account is closed and charged-off. Please mark this account as disputed while I address this matter with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported for this account. The account XXXX ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) has inaccurate information. The Balance of {$390.00} is higher than I recall. Please remove the Past Due amount as this account has a closed and charged-off status. I plan to contact the creditor to clarify the reported data. In the meantime, please mark this account as disputed.
Frequently Asked Questions
What is Complaint #7788386 about?
Complaint #7788386 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2023-11-01T12:00:00-05:00.
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 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.