Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11873184
Complaint Overview
Complaint ID: 11873184
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: 95354
Date Received: 2025-01-30T12:00:00-05:00
Date Sent to Company: 2025-01-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Experian has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Discrepancies in Dispute Results I have filed the following disputes regarding this account : 1. Report No. XXXX ( XX/XX/year> ) Marked as verified and updated, despite no evidence being provided to substantiate the accounts validity. 2. Report XXXX. XXXX ( XX/XX/year> ) Also Marked verified and updated, and disputed item not listed on credit report, despite the account being present on my credit report before and after this dispute. The reports for XXXX clearly state that the disputed item was not listed on credit report, which is demonstrably FALSE. This account has never been removed and continues to negatively affect my credit report, making Experians response both inaccurate, misleading and causing me ongoing distress. Misrepresentation in Dispute Results : Reporting that the disputed items were not listed while it remains on my credit report violates the CFPAs prohibition on unfair and deceptive practices. I request that the CFPB take action to ensure Experian, XXXX, XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Frequently Asked Questions
What is Complaint #11873184 about?
Complaint #11873184 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 2025-01-30T12:00:00-05:00.
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.