Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11179879
Complaint Overview
Complaint ID: 11179879
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: 77083
Date Received: 2024-12-16T12:00:00-05:00
Date Sent to Company: 2024-12-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear CFPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX XXXX XXXX account ( Account # XXXX ) on my credit report. Despite previous disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made, and the inaccuracies remain unaddressed. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my payments were significantly affected during the COVID-19 pandemic, requiring protection under the CARES Act and 15 U.S.C. 1681s-2, which mandates leniency for consumers impacted by national emergencies. Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : Experian failed to conduct a reasonable investigation or provide the necessary description of the investigation process. Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account was not handled according to permissible purposes and standards. Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued reporting of inaccurate and derogatory information infringes on my privacy rights. Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required explanation of the investigation process. Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : Experian failed to provide accurate disclosures regarding the accounts status, violating TILA regulations. Federal Consumer Protections ( CARES Act ) : During the COVID-19 pandemic, this account was affected by financial hardships, and protections under the CARES Act were not applied appropriately. Immediate Action Requested I request the immediate deletion of the inaccurate information regarding the following account : Account Number : XXXX High Balance : {$0.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Unpaid balance reported as a loss by credit grantor. Two-Year Payment History Inaccuracies : Late payments inaccurately reported for XXXX ( 30 ), XXXX ( 60 ), and XXXX ( 90+ ). Attachments : Copies of previous dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). Identification and supporting documentation. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11179879 about?
Complaint #11179879 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 2024-12-16T12:00:00-05:00.
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.