Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11760231
Complaint Overview
Complaint ID: 11760231
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: XXXXX
Date Received: 2025-01-25T12:00:00-05:00
Date Sent to Company: 2025-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint against Experian Information Services LLC for failing to investigate my disputes regarding inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Details of the Complaint : 1. Dispute Information : - AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Inaccuracy : I would like to have these accounts removed from my report. 2. Experian 's Response : Despite my repeated submissions regarding these inaccuracies, Experian has consistently responded within 24 hours asserting that the accounts are accurate. However, they have not provided me with any evidence or details regarding the nature of their investigation, which I believe is insufficient and violates the requirements outlined in the FCRA ( 15 U.S.C. 1681i ). 3. Legal Basis for Complaint : - The FCRA mandates that consumer reporting agencies conduct a reasonable investigation into disputes. Experians failure to do so not only undermines my rights as a consumer but also suggests noncompliance with the law. - Furthermore, Experians actions may violate the CFPA ( 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) ), as highlighted in the CFPB 's recent administrative proceedings that emphasize the obligations of credit reporting agencies to ensure accuracy and transparency in their reporting practices. 4. Requested Action : I request that the CFPB investigate my complaint against Experian for these alleged violations and take appropriate action to ensure compliance with federal laws. I also seek assistance in rectifying the inaccuracies on my credit report. Thank you for your attention to this matter. I look forward to your prompt response.
Frequently Asked Questions
What is Complaint #11760231 about?
Complaint #11760231 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 2025-01-25T12:00:00-05:00.
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.