Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9177345
Complaint Overview
Complaint ID: 9177345
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: 07202
Date Received: 2024-06-04T12:00:00-05:00
Date Sent to Company: 2024-06-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to formally lodge a complaint against XXXX, XXXX, and Experian for their failure to properly investigate and correct an inaccurate late payment reported on my XXXX XXXX XXXXXXXX credit card account ( Account Number : XXXX ). Despite providing ample proof over the past two years, including bank statements and receipts, my legitimate claims have been disregarded. Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Credit Limit : {$6500.00} Highest Balance : {$7000.00} Payment History : 30 days past due as of XX/XX/XXXX I have only one reported late payment, which is the XX/XX/XXXX payment on this account. I have repeatedly submitted proof to XXXX, XXXX, and Experian that this reported XXXX late payment is inaccurate. Specifically : XXXX XXXX : I have provided my XXXX XXXX XXXX bank statement for XX/XX/XXXX, which clearly shows that the payment was made on time. Additionally, I paid inside the branch with a teller, ensuring timely processing. Metro 2 Compliance : As per Metro 2 guidelines, this payment should have been accurately reported. The continued misreporting of this payment constitutes a violation of these standards. Lack of Investigation : Despite my numerous attempts and providing comprehensive documentation, the credit bureaus have not conducted a thorough investigation. Their persistent failure to correct this error suggests potential bias, as they may benefit from maintaining negative information on my credit report. This inaccurate reporting has severely impacted my credit score and, consequently, my financial well-being. I have already escalated this issue to legal counsel and intend this as my final attempt to resolve the matter amicably before pursuing further legal action.
Frequently Asked Questions
What is Complaint #9177345 about?
Complaint #9177345 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 2024-06-04T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.