Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11917440
Complaint Overview
Complaint ID: 11917440
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: Texas
ZIP Code: 78621
Date Received: 2025-02-03T12:00:00-05:00
Date Sent to Company: 2025-02-03T12:00:00-05:00
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, citing systemic violations, including : *Failure to forward consumer-provided evidence to furnishers *Acceptance of unreliable responses from data furnishers *Inadequate notification to consumers regarding dispute outcomes These violations mirror my own experience. Despite providing clear evidence, Experian has refused to correct or remove the disputed accounts, causing direct and ongoing harm to my credit standing. This failure to comply with federal law is unacceptable. I am demanding the immediate deletion of all disputed accounts that Experian has failed to properly investigate in accordance with the FCRA. If corrective action is not taken promptly, I will explore all available legal remedies. I am also I am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours, claiming the disputed account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information. Additionally, Equifax actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as reflected in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar misconduct . I request that the CFPB take immediate action to ensure Equifax complies with federal law and provides consumers with verifiable proof that disputes are being properly investigated. Their current practice undermines consumer rights and allows inaccurate reporting to persist unchecked.
Frequently Asked Questions
What is Complaint #11917440 about?
Complaint #11917440 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 2025-02-03T12:00:00-05:00.
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.