Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12093951
Complaint Overview
Complaint ID: 12093951
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: North Carolina
ZIP Code: 28217
Date Received: 2025-02-15T12:00:00-05:00
Date Sent to Company: 2025-02-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I am requesting verifiable proof that includes my signature or electronic signature. This letter is being sent on my behalf, not through a third party, so I ask that you review it carefully. I never authorized these actions, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ], regarding the blocking of fraudulent information, and Section 604 [ 15 U.S.C. 1681b ], which governs the permissible purposes of consumer reports. I have already contacted the involved companies and confirmed that these actions were taken without proper validation or original proof. Since I did not authorize these accounts and inquiries, they are inaccurate and result from a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers. I request that these unauthorized accounts and inquiries be promptly removed from my report.
Frequently Asked Questions
What is Complaint #12093951 about?
Complaint #12093951 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 2025-02-15T12:00:00-05:00.
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.