Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8261076
Complaint Overview
Complaint ID: 8261076
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: New Jersey
ZIP Code: 07621
Date Received: 2024-01-31T12:00:00-05:00
Date Sent to Company: 2024-01-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX. Experian pulled in old data from my previous creditor XXXX XXXX - XXXX from 2018 to lower my credit score by 53 points. XXXX. My mortgage bank ( XXXX XXXX ) has inaccurately reported my XXXX mortgage payment showing a late payment when in fact I did make the payment. XXXX XXXX raised my payment amount due to the rise in taxes and instead of starting adjusted payments in XXXX they started adjustment payments XXXX ( the previous amount was automatically withdrawn in XXXX. I started receiving calls in XXXX from XXXX XXXX but their representatives were hanging up the calls when I answered. I called in to find out what's going in and learned that I owe an excess of XXXX dollars. I made the payment by phone which was never processed by their representative. I started to receive calls again from XXXX XXXX and getting disconnected by thteir representatives. I called back in a second time and was told the payment is stil outstanding. I made the payment by phone a second time which was processed in mid XXXX. I filed a dispute with the XXXX XXXX for their bad banking practices. This caused a 30 day late payment hit my credit report as well. A dispute with XXXX Bank is pending. A dispute with Experian is still pending. Unfair banking and Credit Report practices from both institutions. I currently can not obtain a loan because of this,
Frequently Asked Questions
What is Complaint #8261076 about?
Complaint #8261076 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 2024-01-31T12:00:00-05:00.
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.