Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10745028
Complaint Overview
Complaint ID: 10745028
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: 336XX
Date Received: 2024-11-09T12:00:00-05:00
Date Sent to Company: 2024-11-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Notification of FCRA Violation and Request for Investigation of Billing Error under 15 U.S.C. 1666 Dear Experian, I am writing to notify you of a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically concerning 15 U.S.C. 1666 relating to billing errors, which has occurred on my credit report. It has come to my attention that there are entries on my credit report that reflect inaccurate billing information, which I believe constitutes a " billing error '' under the aforementioned statute. This includes charges that I did not authorize, amounts reported incorrectly, and transactions improperly documented and processed. As per my rights under the FCRA, I am formally requesting that you conduct a thorough investigation of these entries to verify their accuracy. The details of the disputed entries are as follows : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX In compliance with the FCRA, I expect this investigation to be completed within the statutory timeframe of 30 days from the receipt of this letter. If your investigation confirms that these entries are indeed inaccurate, I request that they be promptly corrected or removed from my credit report. I would appreciate written confirmation that you have received this letter and that an investigation has been initiated. Please inform me of the outcome of your investigation at your earliest convenience. Failure to comply with federal regulations regarding credit reporting accuracy can lead to penalties under the FCRA. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal advice to ensure that my rights are protected and that my credit information is reported accurately. Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this issue.
Frequently Asked Questions
What is Complaint #10745028 about?
Complaint #10745028 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 2024-11-09T12:00:00-05:00.
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.