Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11782188
Complaint Overview
Complaint ID: 11782188
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: California
ZIP Code: 93257
Date Received: 2025-01-26T12:00:00-05:00
Date Sent to Company: 2025-01-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I have been trying to fix my credit report and sent multiple dispute letters to Experian regarding inaccurate accounts. Despite my efforts, Experian has failed to investigate and correct these inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has violated : 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy of the information. 15 USC 1681s-2 : Failure to investigate and correct disputed information reported by furnishers. 15 USC 1681i ( 5 ) : Failure to delete inaccurate or unverifiable information after a dispute. 15 USC 1681c ( c ) : Reinserted or retained outdated or harmful information. I recently became aware of the CFPB lawsuit against Experian for conducting sham investigations of consumer disputes, which aligns with my experience. Their negligence has harmed my creditworthiness, impacting my ability to secure credit, employment, and housing.
Frequently Asked Questions
What is Complaint #11782188 about?
Complaint #11782188 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 2025-01-26T12:00:00-05:00.
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.