Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which manages both my XXXX  and XXXX credit card accounts. 

I am reporting serious credit reporting inaccuracies and inadequate investigations that have caused harm to my credit profile. Specifically : 1. XXXX  Account ( XXXX XXXX ) On XX/XX/year>, I contacted XXXX  customer service regarding a reporting error for the XX/XX/year> statement. The representative confirmed on the record ( and was informed I was recording ) that the balance reported to the credit bureaus was under the credit limit, and suggested that any discrepancy might be the result of the credit bureaus processing.

2. On XX/XX/year>, I faxed formal evidence including transaction records and statements showing my account never exceeded the credit limit. Despite this, XXXX recent letter claims that, after an internal investigation, I went over the credit limit at the end of the billing cycle. This statement is false, directly contradicts the recorded conversation, and ignores the evidence I submitted. 


3. XXXX Account I recently discovered that my XXXX account, managed by the same issuer and servicer, reports an over-limit balance for the same XX/XX/year> statement, which is also incorrect. None of my transactions on this account exceed the credit limit. This indicates a systemic reporting issue affecting multiple accounts.

4. XXXX investigation is factually inaccurate and legally insufficient. They have : Ignored clear evidence submitted by me Contradicted their own representatives confirmation Failed to provide a timely or accurate resolution Legal Violations : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and ( b ), furnishers of information are required to provide accurate data and promptly investigate and correct any inaccuracies once notified of a dispute. XXXX  failure to properly investigate and correct the records constitutes a violation of federal law.

Failure to correct or respond appropriately after receiving documented evidence may also constitute violations under state consumer protection laws, including potential recourse through the Ohio Attorney Generals Office Consumer Protection Division.

Impact : Due to the incorrect reporting, my credit profile has been negatively affected, and my credit score was falsely lowered. This has the potential to harm my financial opportunities and credit rebuilding efforts.

Requested Action : I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX immediately : 1. Correct both the XXXX and XXXX accounts across all major credit bureaus ( XXXX, Experian, and XXXX  ) to reflect the accurate balances.

2. Remove any false over-limit or unknown remarks.

3. Provide written confirmation of correction within 10 business days.

4. Acknowledge receipt of this complaint and indicate a specific timeline for correction.

Additional Notes : I have attempted to attach supporting documentation, including transaction records and the original fax confirmation, but I am consistently receiving errors on the submission portals. If necessary, please provide an email address where I can securely submit evidence. I
also have a recording of the XXXX  representative confirming the correct balance at the time of dispute.

Given the deliberate inaccuracy and prior disregard for submitted evidence, I expect immediate attention and resolution to avoid further escalation, including reporting to regulatory authorities such as the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX ( XXXX  ), and the Ohio Attorney General.

Thank you for your immediate attention to this matter.

Disrespection is for CFPB every time I try to connect attach proof documents your website keep giving me an error code you can please have someone to email me at the email address I provide here so I can attach evidence documents to the email that would be great because your website is not allowing me to attach it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation