Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10051914
Complaint Overview
Complaint ID: 10051914
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 30518
Date Received: 2024-09-07T12:00:00-05:00
Date Sent to Company: 2024-09-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681. The account in question does not belong to me and is negatively affecting my credit score. The details of the disputed account are as follows : - I have never opened nor authorized this account. According to 281 SW715.719, I presume there is no evidence to support the alleged debt. Therefore, it can be concluded that no such debt actually exists. Under the FCRA, you are required to : 1. Investigate my dispute within 30 days of receipt. 2. Notify the creditor of my dispute. 3. Provide me with the results of your investigation in writing. 4. Delete or correct the inaccurate information if your investigation supports my claim. Enclosed, please find copies of the following documents to support my dispute : 1. A copy of my credit report highlighting the disputed account. 2. A copy of my driver 's license for identification. 3. A notarized affidavit of identity theft. 4. Any additional documents ( e.g., police report, FTC Identity Theft Report ) that support my claim. If this error is not corrected promptly, I will have no choice but to seek legal action to protect my rights. I trust that XXXX will address this matter swiftly to avoid litigation. Please confirm receipt of this dispute letter and initiate your investigation immediately. I expect a timely resolution as stipulated by the FCRA. Thank you for your prompt attention to this matter. Sincerely, XXXX
Frequently Asked Questions
What is Complaint #10051914 about?
Complaint #10051914 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-09-07T12:00:00-05:00.
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.