Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11956443
Complaint Overview
Complaint ID: 11956443
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: Ohio
ZIP Code: 43211
Date Received: 2025-02-05T12:00:00-05:00
Date Sent to Company: 2025-02-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
[ XXXX ] Experian Transunion Equifax Formal Complaint - Contract Violations and Misrepresentation of Financial Information** Dear Experian, This letter constitutes a formal complaint regarding Experian 's Equifax and Transunion violation of its contract with the Securities and Exchange Commission ( SEC ) and the resulting misrepresentation of my financial information. I have on file Experian 's fidelity bond number and SEC number for your company. I am writing to address several serious violations that have negatively impacted my ability to fulfill my fiduciary duty to file my taxes, including OIDs and XXXX forms, properly. Experian, Equifax and Transunion has incorrectly reported the selling of my securities, subsequently placing the proceeds into a fund. Furthermore, Experian has repeatedly and falsely reported that I have " abandoned '' this fund every 90 days. This is a gross misrepresentation of my financial activity. I have provided Experian, Equifax and Transunion with all necessary documentation and updates as agreed upon to rectify these inaccuracies. This includes documentation related to my power of attorney, which should have prevented any misinterpretations of my investment activities. Despite my diligent efforts to correct these errors, Experian, Equifax and Transunion has failed to accurately reflect my financial transactions, creating significant issues with the IRS and hindering my ability to file accurate tax returns. These actions constitute a clear violation of Experian 's, Equifax and Transunion contract with the SEC. The misreporting of my securities transactions, coupled with the erroneous " abandonment '' claim, demonstrates a pattern of negligence and disregard for accurate financial reporting. **Remedy Demanded : ** I demand the following actions from Experian to rectify this situation : 1. **Immediate Correction : ** All inaccurate information regarding my securities transactions, including the erroneous " abandonment '' claims, must be corrected immediately. My financial records must accurately reflect my investment activity. 2. **Confirmation of Correction : ** I require written confirmation from Experian detailing the steps taken to correct these inaccuracies and assuring me that similar errors will not occur in the future. 3. **Credit Score Restoration : ** As a direct result of Experian 's, Equifax and Transunion inaccurate reporting, my credit score has been negatively impacted. I demand that Experian take all necessary steps to restore my credit score to XXXX, the score I maintained before these errors occurred. 4. **CFPB Notification : ** I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my financial interests. Sincerely, All rights reserved UCC1-308 [ XXXX XXXX TTEE ]
Frequently Asked Questions
What is Complaint #11956443 about?
Complaint #11956443 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 2025-02-05T12:00:00-05:00.
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.