Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11458804
Complaint Overview
Complaint ID: 11458804
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: Pennsylvania
ZIP Code: 19464
Date Received: 2025-01-09T12:00:00-05:00
Date Sent to Company: 2025-01-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Similar to my XXXX XXXX plight with experian on or around XXXX, and XX/XX/year> I submitted a formal dispute to Experian regarding inaccurate and incomplete information reported for XXXX XXXX XXXXXXXX Account XXXX on my credit file. Experian failed to provide sufficient verification of the accuracy of this information, as required by 15 U.S.C. 1681i. I also provided detailed explanations and supporting documentation highlighting inconsistencies, such as the incomplete reporting of the date the account was closed and the incorrect past-due status that does not align with the accounts history. Despite this, Experian did not conduct a reasonable investigation and has continued to report this inaccurate information. According to the FCRA, when a consumer disputes the accuracy of information, the credit reporting agency is required to conduct a thorough investigation and provide verification or delete the disputed information if verification can not be obtained. Experians actions have caused significant harm to my credit profile and financial standing. I am requesting that Experian : 1. Conduct a reasonable reinvestigation of the disputed account ( s ) as mandated under the FCRA. 2. Provide a detailed explanation of the investigation process and verification methods. 3. Correct or delete any unverifiable or inaccurate information immediately. Failure to resolve this matter promptly will leave me no choice but to pursue further action, including legal remedies. Supporting Documents : Dispute response received from Experian Credit report showing inaccurate information Notes on specific errors and incomplete reporting Desired Resolution : I request that Experian promptly resolve this issue by conducting a proper investigation, providing verification of the disputed information, or removing the unverifiable data from my credit report. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX [ XXXX XXXX XXXX, XXXX, PA XXXX ]
Frequently Asked Questions
What is Complaint #11458804 about?
Complaint #11458804 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 2025-01-09T12:00:00-05:00.
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.