Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12076233
Complaint Overview
Complaint ID: 12076233
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: 77469
Date Received: 2025-02-11T12:00:00-05:00
Date Sent to Company: 2025-02-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am formally filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions of supporting documentation, Experian consistently responds within 24 hours stating that the disputed accounts are accurate, without providing any evidence of a thorough investigation. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding. I am specifically requesting the removal of the following negative accounts from my credit report, as they are either inaccurate, unverifiable, or improperly reported : XXXX Account number XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, I demand that Experian conduct a proper and lawful investigation into these disputes, provide evidence supporting the accuracy of the reported information, or immediately remove these accounts from my credit file. Failure to comply with these legal obligations may result in further action, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and potential legal recourse. Please confirm receipt of this complaint and provide a written response detailing the steps taken to investigate and resolve these disputes.
Frequently Asked Questions
What is Complaint #12076233 about?
Complaint #12076233 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 2025-02-11T12:00:00-05:00.
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.