Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12003726
Complaint Overview
Complaint ID: 12003726
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: Delaware
ZIP Code: 198XX
Date Received: 2025-02-08T12:00:00-05:00
Date Sent to Company: 2025-02-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I submitted a dispute to Experian regarding an inaccurate account reported by XXXX XXXX XXXX ( Account Number : XXXX ). Despite my request for verification, Experian has failed to provide any documentation proving the legitimacy of this debt and has refused to remove it from my credit report. I have attempted to dispute this multiple times, yet Experian has neither provided proof that this account belongs to me nor explained why the inaccurate information remains on my credit report. Instead, I received a notice stating that the incorrect account " will remain '' without any supporting evidence. This error has severely damaged my credit, preventing me from securing housing, obtaining a vehicle, and accessing essential financial opportunities. Furthermore, I have made several attempts to contact Experian by phone, but I have been unable to reach a representative or receive any meaningful response. Experians Violations Under the Fair Credit Reporting Act ( FCRA ) : Experian is legally required to : Conduct a reasonable investigation within 30 days of my dispute. Provide verification and documentation proving the accuracy of the disputed information. Remove any unverified or incorrect information from my credit report. By failing to comply with these requirements, Experian is violating the FCRA ( 15 U.S.C. 1681 ).
Frequently Asked Questions
What is Complaint #12003726 about?
Complaint #12003726 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 2025-02-08T12:00:00-05:00.
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.