Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10494217
Complaint Overview
Complaint ID: 10494217
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: Florida
ZIP Code: 34638
Date Received: 2024-10-17T12:00:00-05:00
Date Sent to Company: 2024-10-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
There are inaccuracies on my Experian consumer report and I demand immediate corrective action under the Fair Credit Reporting Act ( FCRA ). Removal of Accounts : XXXX XXXX ( XXXX XXXX ) is no longer on XXXX or XXXX, and therefore must also be removed from my Experian report. Additionally, FinWise/Opploans must be deleted from my report as it was removed from XXXX due to fraudulent, inaccurate, and unverifiable information. Under 15 U.S. Code 1681i, when one consumer reporting agency removes an account based on such findings, the others are legally obligated to do the same. Late Payment Statuses : XXXX has updated the late statuses on my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to " current. '' Accordingly, Experian must correct these inaccuracies on my report. Name Representation : My name must be displayed accurately as XXXX XXXX XXXX, matching exactly with my driver 's license ( no middle initials or variations ). Under 15 U.S. Code 1681c, consumer reporting agencies must ensure the accuracy and integrity of the information reported. This includes maintaining proper identification to avoid confusion with other individuals who may have similar names. Collections Accounts : XXXX has removed the XXXX XXXX XXXX collection account. I have disputed the XXXX XXXX XXXX XXXX account multiple times due to their failure to provide a valid purchase agreement or chain of title/assignment of debt agreement, proving their right to collect or that I am legally obligated to pay. Furthermore, they do not possess a license to collect in XXXX violating FCRA standards for accuracy and fairness. Legal Action : I have contacted the Attorney General and am currently in the process of seeking legal counsel regarding these matters. I will not tolerate continued violations of my consumer rights. I demand prompt correction of these issues and the immediate removal of the disputed accounts from my consumer report in compliance with 15 U.S. Code 605B and 15 U.S. Code 1666B
Frequently Asked Questions
What is Complaint #10494217 about?
Complaint #10494217 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 2024-10-17T12:00:00-05:00.
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.