Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11585311
Complaint Overview
Complaint ID: 11585311
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: Georgia
ZIP Code: 30038
Date Received: 2025-01-16T12:00:00-05:00
Date Sent to Company: 2025-01-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Subject : Urgent Request for Compliance with the FCRA Regarding Disputed Information I am writing to formally express my concerns regarding Experian 's failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically regarding the reinvestigation of disputed information on my credit report. Despite providing evidence to demonstrate inaccuracies or unverifiable accounts, Experian has neither corrected nor removed the disputed items. This failure has caused ongoing harm to my credit standing. I am aware of recent legal action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian, highlighting systemic issues including : Failure to forward consumer-provided evidence to furnishers during reinvestigation. XXXX on unreliable responses from furnishers to disputes. Inadequate notification to consumers about dispute outcomes. These allegations closely align with my experience. Experian 's failure to properly address my dispute violates my rights under federal law and undermines the FCRA 's intent to ensure accurate and fair credit reporting. I am requesting immediate corrective action to either amend or remove the disputed accounts on my credit report. If Experian can not verify the accuracy of the information in question, it must be removed as required under 15 U.S.C. 1681i of the FCRA. I expect a prompt response confirming that corrective actions have been taken. Failure to comply with these obligations may compel me to escalate this matter through additional regulatory or legal channels. Thank you for your attention to this urgent matter. I look forward to your timely response.
Frequently Asked Questions
What is Complaint #11585311 about?
Complaint #11585311 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 2025-01-16T12:00:00-05:00.
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.