Debt collection -- Took or threatened to take negative or legal action -- Complaint #12278698
Complaint Overview
Complaint ID: 12278698
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Georgia
ZIP Code: 30012
Date Received: 2025-03-01T12:00:00-05:00
Date Sent to Company: 2025-03-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint regarding Experians failure to accurately investigate and resolve a credit reporting dispute concerning a XXXXXXXX XXXX credit card account. It has been over XXXX XXXX since I disputed the account with Experian, but they failed to verify the account information as required by law. I have reviewed my credit report and found that the information on my report, particularly concerning this account, is incorrect and has not been adequately investigated. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of an item on their credit report. This investigation must be completed within XXXX XXXX, and if the information can not be verified as accurate, it must be deleted. In my case, I submitted a dispute to Experian over XXXX XXXX ago regarding the inaccurate reporting of this XXXX XXXX credit card account. XXXX XXXX did verify the account, but the report remained unchanged, and the item was not removed, as required by the FCRA. Instead, Experian relied on information from XXXX XXXX, which is not the creditor associated with this account. This ongoing issue has severely impacted my familys livelihood. Due to these negative remarks on my credit report, I have encountered difficulty in securing housing, which has caused significant distress and hardship. The inaccuracies on my report have become a burden, as we are unable to find a suitable home for my family. I respectfully request that Experian delete the inaccurate account information, as they failed to perform the legally required verification within XXXX XXXX. This failure to comply with the Fair Credit Reporting Act, as outlined under 15 U.S. Code 1681i, has resulted in unjust harm to my credit and my family 's ability to maintain stable living conditions.
Frequently Asked Questions
What is Complaint #12278698 about?
Complaint #12278698 was filed against Experian Information Solutions INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-03-01T12:00:00-05:00.
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 (Debt collection) 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.