Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8379099
Complaint Overview
Complaint ID: 8379099
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: Information belongs to someone else
State: Pennsylvania
ZIP Code: 19103
Date Received: 2024-02-19T12:00:00-05:00
Date Sent to Company: 2024-02-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX XX/XX/XXXX I accessed my XXXX credit card and noticed my credit score had substantially decreased. I accessed my Experian credit report through XXXX. In addition to the current credit accounts I own, an additional credit line was listed through XXXX XXXX XXXX. Per the report the account was opened on XX/XX/XXXX, its current balance is {$6600.00} with a credit limit of {$6000.00}. On XX/XX/XXXX I contacted Experian regarding the issue. They requested I contact XXXX XXXX XXXX and initiate a fraud complaint. I called XXXX XXXX XXXX on XX/XX/XXXX. They were unable to identify the account based on my name, social security number or the account details listed above. They initiated an investigation that I was told would take 7-10 business days, with final outcome being reported to the credit bureaus and taking up to 90 days to process. I relayed this information to Experian who advised I report this issue to the FTC ( which led to this page ) and my local police. They also informed me that I can complete a dispute through Experian which would be an independent process from the XXXX XXXX XXXX XXXX, and take up to 45 days.
Frequently Asked Questions
What is Complaint #8379099 about?
Complaint #8379099 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 2024-02-19T12:00:00-05:00.
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.