Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11529736
Complaint Overview
Complaint ID: 11529736
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: North Carolina
ZIP Code: 28277
Date Received: 2025-01-14T12:00:00-05:00
Date Sent to Company: 2025-01-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> Experian Information Solutions , Inc.\n XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that violates the Fair Credit Reporting Act ( FCRA ). Despite previous attempts to address these errors, the following accounts remain inaccurately reported, which infringes upon my federally protected consumer rights under 15 U.S.C. 1681 : * XXXX XXXX : XXXX ( Delete ) ** * XXXX XXXX : XXXX ( Delete ) ** These inaccuracies are causing significant harm to my creditworthiness and financial standing. According to the FCRA, you are required to : 1. Conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 2. Forward all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ). 3. Delete or correct any information found to be inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). 4. Provide me with clear results of the reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). The CFPBs recent lawsuit against Experian highlights numerous deficiencies in your dispute handling processes, including mischaracterizing disputes, failing to forward relevant documentation to furnishers, and providing ambiguous reinvestigation results. These issues mirror my own experiences. I demand that you promptly : 1. Conduct a thorough reinvestigation of the disputed accounts listed above. 2. Correct or delete the inaccurate information within 30 days as mandated by law. 3. Provide a detailed response outlining the results of your reinvestigation, specifying what changes, if any, were made. Failure to address these issues will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau and considering legal action. I expect a written confirmation of receipt of this letter within five business days, as well as a resolution to this dispute within the legally required timeframe. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require further documentation or clarification. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11529736 about?
Complaint #11529736 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 2025-01-14T12:00:00-05:00.
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.