Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12094629
Complaint Overview
Complaint ID: 12094629
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: Problem with personal statement of dispute
State: California
ZIP Code: 90503
Date Received: 2025-02-15T12:00:00-05:00
Date Sent to Company: 2025-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
am formally disputing fraudulent charges reported by XXXX XXXX XXXX on my credit report. The account in question reflects unauthorized transactions that I did not make or authorize. Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that Experian conduct a thorough investigation and verify the accuracy of this information with documented proof, not simply an automated verification process. Additionally, under 15 U.S.C. 1681s-2, XXXX XXXX XXXXXXXX XXXX XXXX a furnisher of credit information, is legally required to provide accurate and complete data. Given the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to properly handle consumer disputes and verification procedures, I demand that Experian provide a detailed explanation of the method used to verify this disputed information. Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), I request : 1. A description of the procedures used to determine the accuracy and completeness of the disputed information. 2. The name and contact details of the entity that verified the disputed charges. 3. Copies of any documentation relied upon for verification. If Experian is unable to properly verify the legitimacy of these charges within the 30-day period required by law, I request that this fraudulent information be permanently deleted from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ). Enclosed, I have included copies of police report. Please provide your response in writing. Thank you for your prompt attention to this matter. I expect full compliance with federal law and look forward to your resolution of this dispute.
Frequently Asked Questions
What is Complaint #12094629 about?
Complaint #12094629 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.