Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12089258
Complaint Overview
Complaint ID: 12089258
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: California
ZIP Code: 92614
Date Received: 2025-02-14T12:00:00-05:00
Date Sent to Company: 2025-02-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute an inaccuracy on my credit report and bring to your attention your failure to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which addresses civil liability for negligent noncompliance with the statute. Upon reviewing my credit report, I have identified the following inaccuracies that I believe are a direct result of your failure to maintain reasonable procedures to ensure the accuracy and integrity of the information provided : * XXXX XXXX XXXX ( # XXXX ) * XXXX XXXX XXXX ( # XXXX ) As per the provisions of the FCRA, you are required to ensure that any information provided to credit reporting agencies is accurate, complete, and up-to-date. I believe that your failure to comply with this requirement has caused significant harm to my creditworthiness, and I am requesting that you immediately investigate and correct this matter. Under 15 U.S.C. 1681o, you are liable for any damages caused by your negligent noncompliance, which includes any failure to properly investigate disputes or maintain accurate reporting. Please be advised that I am requesting that the disputed information be reviewed and corrected accordingly. I expect a formal response within the statutory timeframe of 30 days as stipulated by the FCRA, and should the dispute not be resolved satisfactorily, I will not hesitate to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal recourse under 15 U.S.C. 1681o for the civil damages associated with negligent noncompliance. Please confirm in writing the actions you have taken to investigate and resolve this dispute at your earliest convenience. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12089258 about?
Complaint #12089258 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 2025-02-14T12:00:00-05:00.
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.