Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8173301
Complaint Overview
Complaint ID: 8173301
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 information incorrect
State: Maryland
ZIP Code: 207XX
Date Received: 2024-01-12T12:00:00-05:00
Date Sent to Company: 2024-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for a XXXX loan with XXXX on XX/XX/2024. They turned me down based on information provided to them from Experian. Experian said that I had serious delinquency on my credit report. My online profile with Experian does not show any such serious delinquency at all. I attempted to contact Experian at ( XXXX ) XXXX to ask them to specify what exactly the serious delinquency is that prevented me from securing the loan. Their automated phone system will not allow you to speak with an agent. It only offers self service help by an automated system. It states that it will only allow a small amount of callers to get through to an agent but offers no clue for how you can do this. Experian essentially makes the decision whether you get a loan or not based on false information as far as stating my credit report contains serious delinquency and you have no due process to dispute this or even inquire and speak with XXXX of their representatives on the phone. I attempted to file an online dispute on their website but because they do not display any serious delinquency entry on my credit report, I could not submit a dispute. I contacted a representative from XXXX on the phone but they just go by what Experian tells them and they dont have any insight into what they provide. They acknowledged that I had a good prior history with them with a prior auto loan and a motorcycle loan and they were sorry to hear about my experience with Experian. These credit bureaus do what they want and the consumer has no rights or course of action to counter what they say or do.
Frequently Asked Questions
What is Complaint #8173301 about?
Complaint #8173301 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 2024-01-12T12:00:00-05:00.
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.