Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10636313
Complaint Overview
Complaint ID: 10636313
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: Problem with personal statement of dispute
State: Illinois
ZIP Code: 60202
Date Received: 2024-10-30T12:00:00-05:00
Date Sent to Company: 2024-10-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I began a dispute with Experian about a XXXX account that I did not authorize to be opened which was sent to collections. I did not learn about this account until it showed up on my credit report. I have filed an FTC report and a police report, and I have filed a claim with XXXX 's fraud department who have since sent me a letter confirming that I am not responsible for the account, that it was opened fraudulently. Experian has continued to close my disputes and argue that I am responsible for the account and that it will remain on my credit score, despite representatives of the fraud department repeatedly confirming that it should be removed. Today ( XX/XX/year> ) an agent informed me that they had reportedly been told by XXXX that the account was my responsiblity, but when I contacted XXXX again, they reconfirmed that this is not true. Today again I received an update that my dispute was closed again because an agent determined that : " your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. '' They will not help me or fix my credit despite every other organization I have contacted confirming that this is a result of me being the victim of identity theft.
Frequently Asked Questions
What is Complaint #10636313 about?
Complaint #10636313 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 2024-10-30T12:00:00-05:00.
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.