Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10877373
Complaint Overview
Complaint ID: 10877373
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: Florida
ZIP Code: 34293
Date Received: 2024-11-20T12:00:00-05:00
Date Sent to Company: 2024-11-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I sent a formal dispute letter to Experian to address inaccurate items on my credit report. Along with this letter, I provided comprehensive documentation to verify my identity, including a copy of my photo ID, Social Security card, and a recent bank statement with my current address. In my dispute, I explicitly requested specific information regarding the verification process : -Details on how the disputed item was verified. -The date when Experian contacted the creditor and furnisher. -Contact information for the creditor and furnisher. -The name of the individual who verified the item. -The method of communication used to verify the disputed information ( e.g., phone, email, mail ). -Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process. On XX/XX/year>, I received a response from Experian with the following statement : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This response is completely unacceptable and appears to be a blatant violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). The FCRA clearly requires Experian to conduct a reasonable reinvestigation of any disputed items in a consumers file. There is no ambiguity in this requirement ; Experian 's refusal to investigate my dispute, despite receiving sufficient verification documents and a clear request, represents a failure to meet its statutory obligation.
Frequently Asked Questions
What is Complaint #10877373 about?
Complaint #10877373 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 2024-11-20T12:00:00-05:00.
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.