Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12268547
Experian Fails to Correct Credit Report Error After Investigation
Complaint Overview
Complaint ID: 12268547
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: Arizona
ZIP Code: 85226
Date Received: 2025-02-28T12:00:00-05:00
Date Sent to Company: 2025-03-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The company's investigation did not resolve the reported error, indicating a potential breakdown in their dispute resolution process.
Consumer Sentiment: negative
Topics: Credit reporting, Dispute resolution, FCRA
AI Analysis
CFPB complaint 12268547 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Problem with a company's investigation into an existing problem". A consumer reported that Experian's investigation failed to correct an error on their credit report. The complaint was received on February 28, 2025 from Arizona. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communications and documentation related to credit report disputes.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes within a reasonable time, typically 30 days.
Regulatory Insight
Failure to correct verifiable errors after investigation can lead to violations of FCRA's accuracy and reinvestigation requirements.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Arizona, which has its own consumer protection laws that may offer additional recourse.
Industry Comparison
This issue is common in the credit reporting industry, where disputes over accuracy and investigation effectiveness are frequent.
Similar Complaint Patterns
Consumers frequently complain about credit reporting agencies failing to correct errors after disputes. Common patterns include allegations that investigations are superficial, that agencies rely solely on information from the furnisher without independent verification, or that the same errors reappear on subsequent reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12268547 about?
CFPB complaint 12268547 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Their investigation did not fix an error on your report". This complaint was filed against Experian Information Solutions Inc. on February 28, 2025.
Which company is complaint 12268547 filed against?
Complaint 12268547 was filed against Experian Information Solutions Inc.. You can view all complaints against this company on their profile page at /company/experian-information-solutions-inc.
What was the company's response to complaint 12268547?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12268547 filed?
Complaint 12268547 was received by the CFPB on February 28, 2025. It was sent to Experian Information Solutions Inc. on March 3, 2025.
What state was complaint 12268547 filed from?
Complaint 12268547 was filed from Arizona. You can view all complaints from this state at /state/AZ.
Was the consumer satisfied with the resolution of complaint 12268547?
Dispute information is not available for complaint 12268547.
What product category is complaint 12268547 about?
Complaint 12268547 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 12268547 submitted?
Complaint 12268547 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 12268547?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes within a reasonable time, typically 30 days. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Problem with a company's investigation into an existing problem".
How likely is complaint 12268547 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 12268547?
This complaint is rated as medium risk. The company's investigation did not resolve the reported error, indicating a potential breakdown in their dispute resolution process.
What regulatory actions apply to complaint 12268547?
Failure to correct verifiable errors after investigation can lead to violations of FCRA's accuracy and reinvestigation requirements. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 12268547?
Consumers should keep detailed records of all communications and documentation related to credit report disputes.
Are there state-specific protections for complaint 12268547?
The consumer is located in Arizona, which has its own consumer protection laws that may offer additional recourse. This complaint was filed from Arizona.
How does complaint 12268547 compare to industry norms?
This issue is common in the credit reporting industry, where disputes over accuracy and investigation effectiveness are frequent.
What steps can a consumer take if a credit bureau fails to correct an error after an investigation?
A consumer can file a complaint with the CFPB, send a formal dispute letter to the credit bureau and the furnisher of the information, and consider legal action if the error is significant and not corrected.
How long does a credit reporting agency typically have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a consumer's dispute after receiving notice of it. This period can be extended to 45 days under certain circumstances.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.