Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11772998
Complaint Overview
Complaint ID: 11772998
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 31763
Date Received: 2025-01-24T12:00:00-05:00
Date Sent to Company: 2025-01-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint again Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds with 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 USC. s 1681i which mandates a reasonable investigation of disputes. Furthermore Experian action may also contravene the Consumer Financial Protection Act ( CFPA ), 12USC ss5536 ( a ) ( 1 ) - ( B ) as highlight in the CFPB 's recent administrative proceeding the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit which mandates a reasonable investigation of disputes. Furthermore Experian action may also contravene the consumer.Financial Protection Act ( CFPA ) 12 USC ss 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in the ( CFPB 's ) recent administrative proceeding ( file No. 2025 CFPB-0002 ) again them for similar violation. I request that the CFPB take action to ensure Experian complies with federal law and provides consumer with the necessary proof of investigation. I want theses reported accounts to be removed. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.
Frequently Asked Questions
What is Complaint #11772998 about?
Complaint #11772998 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-01-24T12:00:00-05:00.
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.