Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12236077
Complaint Overview
Complaint ID: 12236077
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: Massachusetts
ZIP Code: 02148
Date Received: 2025-02-26T12:00:00-05:00
Date Sent to Company: 2025-02-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally express my disappointment with Experians failure to remove inaccurate and unfair negative items from my credit report. Despite my repeated disputes and requests for verification, Experian has refused to remove the following items, which are severely impacting my creditworthiness : Collection Agency Charges These items remain on my report despite my attempts to dispute them as inaccurate. Experian has not provided sufficient evidence to validate their legitimacy. XXXX Account This account should not be on my report due to [ explain reason, e.g., it was paid off, settled, or reported incorrectly ]. However, Experian has refused to take corrective action. Late Payment Account The reported late payments are either incorrect or do not reflect the true history of my account. I have submitted disputes, yet Experian continues to uphold these inaccuracies without proper validation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, outdated, or unverifiable. If Experian can not verify these accounts with concrete evidence, they are legally required to remove them. However, my attempts to correct these discrepancies have been ignored or dismissed without proper justification. I request the CFPB to investigate Experians handling of my disputes and ensure compliance with federal laws. I also request that these disputed items be thoroughly reviewed and, if found unverifiable, be removed from my credit report immediately. Thank you for your time and assistance in this matter. I appreciate your help in ensuring fair and accurate credit reporting.
Frequently Asked Questions
What is Complaint #12236077 about?
Complaint #12236077 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 2025-02-26T12:00:00-05:00.
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.