Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9777579
Complaint Overview
Complaint ID: 9777579
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: Public record information inaccurate
State: Georgia
ZIP Code: 31093
Date Received: 2024-08-12T12:00:00-05:00
Date Sent to Company: 2024-08-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am filing this complaint regarding the ongoing inclusion of inaccurate public records information on my credit report, which I have been unable to resolve despite multiple attempts to have the information removed. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must validate the accuracy of information on an individual 's credit report. Over the past several months, I have contacted XXXX and Experian numerous times, requesting the removal of inaccurate public records information from my credit report. However, my efforts have been unsuccessful. The inaccurate information in question appears to have been obtained by the credit bureaus through the XXXX XXXX XXXX XXXX XXXX XXXX ( PACER ) system. I have confirmed that the Bankruptcy XXXX has no interaction with these credit bureaus, nor do they have control over what the credit bureaus do with the information they obtain through PACER. In fact, I contacted the Bankruptcy XXXX to confirm whether they had validated the public records information listed on my credit report. In response, the court provided a letter dated XX/XX/XXXX, stating that they do not have contact with or jurisdiction over credit reporting agencies. Since the information obtained from PACER can not be validated or verified by the Bankruptcy XXXX, it does not comply with the FCRA 's requirements for accuracy. Despite this, the credit bureaus continue to report this information on my credit report. I have made numerous requests, including a recent submission on XX/XX/XXXX, asking that this public records information be removed due to its unverifiable nature. Given XXXX 's and Experian 's refusal to comply with my requests, I am seeking the CFPB 's assistance in enforcing the FCRA and ensuring that the inaccurate information is removed from my credit report.
Frequently Asked Questions
What is Complaint #9777579 about?
Complaint #9777579 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 2024-08-12T12:00:00-05:00.
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.