Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9574681
Complaint Overview
Complaint ID: 9574681
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: Illinois
ZIP Code: 60611
Date Received: 2024-07-21T12:00:00-05:00
Date Sent to Company: 2024-07-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have an open account with XXXX since 2017. Unfortunately, there were some times that I fell behind due to a financial setback when I was in college that resulted in late payments. Despite this challenge, I diligently managed to catch up. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request XXXX to remove the damaging information from my reports. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing. People do deserve a goodwill or second chance. This is unfair that this information has to linger for years.
Frequently Asked Questions
What is Complaint #9574681 about?
Complaint #9574681 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 2024-07-21T12:00:00-05:00.
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.