Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8151861
Complaint Overview
Complaint ID: 8151861
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Texas
ZIP Code: 77040
Date Received: 2024-01-11T12:00:00-05:00
Date Sent to Company: 2024-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This complaint is directed towards the Credit Reporting Company, Experian, and is in relation to my previous complaint against XXXX regarding the same student loan account. My previous complaint ID was XXXX. The student loan in question belonged to my late mother who passed away on XX/XX/2023. I was the co-signor on the account. Previously, XXXX would not update balance information on my credit report after the loan was discharged. They responded in writing confirming the loan was discharged due to her death with a XXXX balance. However, this information was still not updated with Experian, XXXX, and XXXX, so I had to utilize the dispute process to request corrections on this account with all three bureaus. To date, XXXX and XXXX have reported this data. Experian, on the other hand, has not. I just submitted the dispute again ( for the XXXX time ) today after speaking with their Customer Service representatives. They most recently updated the account to show incorrectly that I, XXXX XXXX, am the deceased person. This resulted in Experian showing me as " unscoreable '' since I am apparently dead. Upon speaking with them, they initiated another dispute ( the XXXX one ), that was resolved today without any change to how this account is reporting. They are reporting that I am deceased and they don't include any balance information. Their guidance today was to submit yet another dispute. In the meantime, Experian is indicating that I am deceased, which is resulting in issues with other creditors I do business with. XXXX, for example, froze shipment of a new credit card to me and will not provide me any credit information online. The failure on Experian 's part to thoroughly review this matter to resolve the dispute is having a material impact on my consumer credit. Hence, my formal complaint regarding this matter.
Frequently Asked Questions
What is Complaint #8151861 about?
Complaint #8151861 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-01-11T12:00:00-05:00.
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.