Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12200946
Complaint Overview
Complaint ID: 12200946
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: New Jersey
ZIP Code: 07208
Date Received: 2025-02-24T12:00:00-05:00
Date Sent to Company: 2025-02-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is now the second time I am bringing this up, and I am beyond furious that Experian continues to ignore my rights under federal law. How many times do I have to repeat myself before Experian actually does its job? I previously disputed the unauthorized and fraudulent account ( XXXX XXXX XXXX XXXXXXXX ), yet Experian recklessly refuses to remove it from my credit report. This is not just incompetencethis is willful noncompliance with the Fair Credit Reporting Act ( FCRA ), and I will not tolerate it any longer. I never authorized this account. I never consented to it being reported. Experian has absolutely no legal right to continue reporting this account! Under 15 USC 1681b, there is no permissible purpose for Experian to include an unauthorized account on my file. Yet here it is, still damaging my credit, despite my previous dispute. Under 15 USC 1681i ( a ), Experian is legally required to conduct a reasonable reinvestigation, yet this fraudulent account remains on my reportwhich proves Experian is not investigating anything! 15 USC 1681e ( b ) mandates maximum possible accuracy, yet Experians continued misreporting proves a total failure to meet that standard. Additionally, under 15 USC 1681s-2 ( a ), furnishers are responsible for ensuring the accuracy of the data they report. Right now, Experian and its data furnishers are blatantly ignoring their legal obligations! I am demanding the immediate and permanent deletion of this fraudulent account. I expect written confirmation that it has been removed and an updated credit report reflecting this correction within 15 days. Since Experian has already failed to act, I am also demanding a full method of verification under 15 USC 1681i ( a ) ( 2 ). I want the exact details of how this account was verified, who confirmed it, and where the information came from. If Experian can not provide a valid and documented verification, then the law requires you to delete this account immediately!
Frequently Asked Questions
What is Complaint #12200946 about?
Complaint #12200946 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 2025-02-24T12:00:00-05:00.
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.