Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11491901
Complaint Overview
Complaint ID: 11491901
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: Utah
ZIP Code: 84405
Date Received: 2025-01-12T12:00:00-05:00
Date Sent to Company: 2025-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. I previously disputed accounts and late payments The issue is that the information about this account is wrong. On top of that, your response didnt explain much. I didnt get any proof or details about how you verified the account. And this is hurting my ability to get a home for my family! Heres what Im asking for : Do a proper investigation as REQUIRED by law. Remove the incorrect account or information from my credit report if the company cant verify it. Send me clear results showing exactly what you did to verify this account and share any proof you used. Dont let this account come back on my report unless you can prove its accurate and give me written notice first. Im asking you to resolve this within 15 days, as required by the Fair Credit Reporting Act. If this isnt fixed, Ill have no choice but to file a complaint with the CFPB and take further action to protect my rights. Thank you for handling this quickly. I look forward to hearing from you soon.
Frequently Asked Questions
What is Complaint #11491901 about?
Complaint #11491901 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 2025-01-12T12:00:00-05:00.
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.