Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10056159
Complaint Overview
Complaint ID: 10056159
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: Michigan
ZIP Code: 48224
Date Received: 2024-09-06T12:00:00-05:00
Date Sent to Company: 2024-09-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Experian is in violation of my FCRA right 15 U.S.C. 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigation of Disputed Information Consumer reporting agency ( CRA ) must reinvestigate disputed information within 30 days ( b ) Notification of Consumer CRA must notify consumer of results of reinvestigation ( c ) Deletion of Inaccurate Information CRA must delete inaccurate information from consumer 's file ( d ) Notification to Consumer of Deletion CRA must notify consumer of deletion ( e ) Statement of Dispute Consumer may add statement to report explaining dispute 15 U.S.C. 1681e ( b ) - Furnisher Responsibilities Furnishers must : - Provide accurate information - Correct and update information - Notify CRA of disputes 15 U.S.C. 1681n - Civil Liability for Willful Noncompliance Consumer may sue for damages, including statutory and punitive damages, for willful noncompliance 15 U.S.C. 1681o - Civil Liability for Negligent Noncompliance Consumer may sue for actual damages for negligent noncompliance Remember, these rights aim to protect consumers from inaccurate information on their credit reports. If you suspect inaccuracies, review your report and dispute errors with the CRA and/or furnisher. XXXX XXXX XXXX Account XXXX XXXX. ) Balance Is Inaccurate & Should Be Reporting Balance As {$0.00}. ( attached is account statement showing account was paid to {$0.00} on time! ) 2. ) XXXX Statement For This Account Isnt Available Until XX/XX/year>XXXX & Payment Isnt Due Until XX/XX/year>, So How Is Experian Reporting A Payment For XXXX?? Please Update My Report Immediately!!
Frequently Asked Questions
What is Complaint #10056159 about?
Complaint #10056159 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 2024-09-06T12:00:00-05:00.
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.