Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11159244
Complaint Overview
Complaint ID: 11159244
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: Alabama
ZIP Code: 360XX
Date Received: 2024-12-14T12:00:00-05:00
Date Sent to Company: 2024-12-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below. I am sure you are aware and understand that it is required by Federal law that XXXX XXXX XXXX must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost. In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, XXXX XXXX Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : Bureau : XXXX Creditor XXXX XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed reported as XXXX Last Verified reported as XX/XX/XXXX Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : Experian Creditor : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 150 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : XXXX Creditor : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX XXXX seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to XXXX XXXX XXXX XXXX - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report. XXXX thanking you in advance for attending to my requests promptly Regards, XXXX XXXX
Frequently Asked Questions
What is Complaint #11159244 about?
Complaint #11159244 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 2024-12-14T12:00:00-05:00.
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.