Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11033343
Complaint Overview
Complaint ID: 11033343
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: Texas
ZIP Code: 75216
Date Received: 2024-12-04T12:00:00-05:00
Date Sent to Company: 2024-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to address ongoing inaccuracies on my credit report and to notify you that I have maintained a dated and time-stamped paper trail of dispute letters sent to your agency over the past five months. Despite my repeated efforts, the inaccurate information remains unverified and unresolved. In my most recent correspondence dated XX/XX/XXXX, I informed you of four disputed accounts with the original creditors, none of which have been verified as legitimate. I am reiterating the specific reasons for disputing each account and demanding their immediate removal under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXXXXXX This is not my account. The account 's primary owner is XXXX XXXX, as confirmed in previous investigations. XXXX XXXX XXXX XXXX XXXX XXXXXXXX The date last active is incorrect. It was last active in XXXX, and the balance is listed as due when there is none. This inaccurate and unverifiable information must be removed immediately. XXXX XXXX XXXX XXXXXXXX The original creditor could not locate information on this account, and I have no obligation with the collection agency. This constitutes an FDCPA violation, and it must be deleted without delay. XXXX XXXX XXXX - XXXX The date last active and balance reported are both incorrect and unverifiable. XXXX XXXX XXXX XXXX XXXXXXXX This account should have been deleted per the original agreement with the creditor. Both XXXX and XXXX have already removed it from my credit report, and I demand you do the same. Since I have attempted to resolve this matter amicably without success, I will now be moving forward with litigation to protect my rights.
Frequently Asked Questions
What is Complaint #11033343 about?
Complaint #11033343 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 2024-12-04T12:00:00-05:00.
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.