Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11898956
Complaint Overview
Complaint ID: 11898956
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: Virginia
ZIP Code: 20176
Date Received: 2025-02-02T12:00:00-05:00
Date Sent to Company: 2025-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Date : XXXX **Consumer Financial Protection Bureau ( CFPB ) ** 1700 G Street NW Washington , DC 20552 **Subject : Complaint Against Experian Regarding Unfair Credit Practices** Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian regarding their unfair credit practices , which I believe violate consumer protection laws. **Details of the Issue : ** On [ XXXX XXXX, XX/XX/XXXX ], I initiated a dispute with Experian concerning inaccuracies on my credit report related to my account with XXXX XXXX XXXX Despite my efforts to provide updated information and documentation confirming my account status, Experian failed to adequately investigate my dispute. Experian 's actions have been misleading and deceptive. For instance, they reported my account on XX/XX/XXXX, but just a few minutes later, they deleted my XXXX XXXX XXXX account, which has resulted in a shortened credit history. This misrepresentation has adversely affected my credit score and limited my access to financial opportunities. I have a letter from XXXX XXXX confirming that they have updated my information and reported it to all three credit reporting agencies. However, I continue to receive disputes from Experian stating that this account is not showing on my credit report. Despite reaching out to the CFPB and FTC, Experian continues to ignore my requests, regardless of the documentation I have provided. I have made multiple attempts to resolve this issue directly with Experian. When I called their customer service on [ XX/XX/XXXX ], I found it impossible to get in touch with a live person. Their automated system took me around and around without providing any meaningful assistance. Given these circumstances, I urge the CFPB to investigate Experian 's practices and take appropriate action to ensure compliance with consumer protection laws. Thank you for your attention to this matter. I look forward to your response. Experian intended to mislead consumers. They can include false advertising, misleading claims, and failing to deliver promised products or services. Examples of not reporting all accurate information on credit reports, failing to update information from the original creditor. PLEASE SUBMIT THIS TO THE CFPB OFFICE FOR REVIEW
Frequently Asked Questions
What is Complaint #11898956 about?
Complaint #11898956 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 2025-02-02T12:00:00-05:00.
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.