Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10327048
Complaint Overview
Complaint ID: 10327048
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: Was not notified of investigation status or results
State: Texas
ZIP Code: XXXXX
Date Received: 2024-10-02T12:00:00-05:00
Date Sent to Company: 2024-10-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I mailed a formal dispute letter to Experian via XXXX mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I requested a thorough investigation into inaccurate and outdated negative items on my credit report, including a bankruptcy. To verify my identity, I included a copy of my government-issued photo ID, Social Security card , and a recent utility bill showing my current address. Despite providing all the necessary documentation to confirm my identity, Experian has refused to conduct a reasonable investigation into the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). Instead of investigating my dispute as mandated by law, I received an email from Experian on XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' Under the FCRA, credit reporting agencies are obligated to conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any information on their credit report. Experian 's refusal to investigate my dispute is a violation of my consumer rights, and as a result, inaccurate and unverifiable informationincluding negative accounts and a bankruptcyremain on my credit report.
Frequently Asked Questions
What is Complaint #10327048 about?
Complaint #10327048 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 2024-10-02T12:00:00-05:00.
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.