Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11890594
Complaint Overview
Complaint ID: 11890594
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: Florida
ZIP Code: 33436
Date Received: 2025-02-01T12:00:00-05:00
Date Sent to Company: 2025-02-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB Representative, I am writing to formally dispute a charge-off listed inaccurately on my credit profile. I request the removal of this inaccurate data under my rights outlined by the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Despite my repeated efforts to resolve this issue directly with the credit reporting agencies and/or creditors, the errors persist, causing significant and unwarranted harm to my creditworthiness. Account Name XXXX XXXX XXXX Account Number : XXXX Type of Inaccuracy : Inaccurate charge-off status payments history, last activity, address, Month reporting. Legal Basis for Dispute : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : Under 15 U.S.C. 1681i, consumers have the right to dispute any inaccurate or incomplete information with credit reporting agencies, which must investigate the dispute within 30 days and correct or delete inaccurate information promptly. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) : If the inaccuracy stems from actions by a debt collector, the debt collectors reporting of false or misleading information may violate 15 U.S.C. 1692e ( 8 ), which prohibits furnishing deceptive or inaccurate information to credit reporting agencies. Consumer Financial Protection Act ( 12 U.S.C. 5531 et seq. ) : As part of its enforcement authority, the CFPB oversees credit reporting agencies and financial institutions to ensure they do not engage in unfair, deceptive, or abusive acts or practices ( UDAAP ). Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : If the inaccuracies are due to identity theft, this federal law provides protection and mandates that all accounts or data related to fraudulent activity be removed from my credit report. On XX/XX/year>, I initiated a dispute with Equifax regarding the inaccurate charge-off information. Despite my submission of supporting documentation ( e.g., account statements, fraud affidavits, etc. ), the issue remains unresolved. I respectfully request the following actions to resolve this matter : Investigate and ensure the immediate removal of the inaccurate charge-off information from my credit profile. Provide written confirmation that the requested corrections have been made. Review the practices of the credit reporting agency and/or creditor to ensure compliance with federal laws. The inaccurate charge-off on my credit report has caused significant damage to my credit score, financial opportunities, and overall peace of mind. I urge the CFPB to investigate this matter promptly and take appropriate enforcement actions to ensure compliance with federal consumer protection laws. Thank you for your time and attention to this matter. If additional information is required. I look forward to your timely response.
Frequently Asked Questions
What is Complaint #11890594 about?
Complaint #11890594 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 2025-02-01T12:00:00-05:00.
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.