Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12228249
Complaint Overview
Complaint ID: 12228249
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: 90650
Date Received: 2025-02-25T12:00:00-05:00
Date Sent to Company: 2025-02-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Failure to Provide Proof of Investigation & Unauthorized Account Reporting Dear Credit Bureau Representative, I am writing to formally dispute the reporting of an account by Ally Financial that appears on my credit report with your bureau. This account does not belong to me and is the result of identity theft. Additionally, I was a victim of a data breach, further supporting my claim that this account is fraudulent. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I have the right to request the method of verification used during your investigation. I previously disputed this account, yet you failed to provide documented proof of the investigation process, including the method of verification, date and time of contact, and the specific person or entity you spoke with to verify the account. This failure is a direct violation of my rights under the FCRA. Since you can not verify this account with legally sufficient evidence, I demand the immediate deletion and permanent blocking of this fraudulent account from my credit file under FCRA 605B. Please consider this a formal request for reinvestigation and provide the following documentation within 15 days : XXXX. The name, contact information, and title of the person you spoke with at XXXX XXXX to verify the account. XXXX. The specific method used to verify the accuracy of this account. XXXX. The date and time the investigation took place. XXXX. A copy of any documentation provided by XXXX XXXX that allegedly proves this account belongs to me. Failure to comply with my request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also explore legal remedies for violations of my rights under the FCRA. Please remove and permanently block this fraudulent account immediately and provide me with a new copy of my credit report reflecting this correction. I have attached a copy of my government-issued ID, proof of address, and a copy of my FTC Identity Theft Report for verification. I expect your prompt compliance with this request. Please respond in writing to the address listed above. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12228249 about?
Complaint #12228249 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 2025-02-25T12:00:00-05:00.
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.