Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11049023
Complaint Overview
Complaint ID: 11049023
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: 34771
Date Received: 2024-12-05T12:00:00-05:00
Date Sent to Company: 2024-12-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer life. IN tent to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Sections 617 if the UNVERIFIED item listed below are note deleted immediately. A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA. If you claim that these account is verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account. The law is very clear as t the Civil Liability and the remedy available to me ( section 616 an d617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify this account, or delete it from my credit report. The account is XXXX XXXX XXXX XXXX Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. I expect you to delete this negative account and provided me with an updated report within 30 days in accordance to the FCRA.
Frequently Asked Questions
What is Complaint #11049023 about?
Complaint #11049023 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 2024-12-05T12:00:00-05:00.
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.