Credit reporting or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #10156615
Complaint Overview
Complaint ID: 10156615
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Didn't receive services that were advertised
State: Mississippi
ZIP Code: 38654
Date Received: 2024-09-17T12:00:00-05:00
Date Sent to Company: 2024-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received an update about my dispute through the mail with my results from my " reinvestigation. '' Unfortunately, Experian has violated the FCRA laws for credit reporting and sent a credit report stating that the item I disputed on my credit report was verified without providing the documentation given to them by XXXX XXXX : Account number : XXXX. I have everything I need to pursue legal recourse. In RICHARD V. FLEET BANK OF MASSACHUSETTS,190 F. SUPP. 2D 81 ( D. MASS. 2001 ). He stated that there was clear inaccuracies within his credit report and the credit reporting agencies failed to adhere to the laws by conducting a proper investigation. As a result the plaintiff sued and won. I have requested concrete documentation to represent the late payment history that is reporting in error and to my dismay, none has been provided. XXXX XXXX as well as Experian have violated my rights. I have requested under FCRA 623 ( a ) ( 8 ) documentation provided directly from the credit furnisher to prove the late payment, none have been provided. I have requested a proper investigation according to 1681i procedures in case of disputed accuracy and this has not been conducted thoroughly which is a violation. The company is also in violation of 1666b which is under the fair credit billing act. I have requested the documentation provided by the creditor to verify this information in my file. In which I have not received and it has been over 30 days from the date of the credit reporting agency receiving my dispute. This is also a violation. The integrity of this credit bureau is questionable due to the many violations. I am requesting that this erroneous late payment be REMOVED from my credit report. Failure to do so will be breaking the law and I have everything time stamped through the CFPB to plead my case as well as the multiple letters that have been sent on my own behalf.
Frequently Asked Questions
What is Complaint #10156615 about?
Complaint #10156615 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2024-09-17T12:00:00-05:00.
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.