Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12303730
Complaint Overview
Complaint ID: 12303730
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: Alabama
ZIP Code: 354XX
Date Received: 2025-03-03T12:00:00-05:00
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
Consumer Narrative
I am writing to formally dispute the inaccurate information/issue reported in my credit file. The issue concerns are incorrect information and failure to update records. I believe this matter falls under Section 1681o of the Fair Credit Reporting Act ( FCRA ), which establishes civil liability for negligence when a consumer reporting agency or other entity fails to comply with the provisions of the FCRA. Specifically, Section 1681o holds parties responsible when they negligently fail to ensure the accuracy and integrity of consumer information. According to my records, I have made attempts to resolve this issue directly with your company, but have not received a timely or satisfactory response. I have also provided all necessary documentation to support my claim, but my concerns have not been addressed in a manner consistent with the requirements of the FCRA. As you may be aware, the FCRA mandates that all entities involved in the reporting, furnishing, or use of consumer information are responsible for ensuring that the information is accurate, complete, and up-to-date. Failure to do so constitutes negligence, and I request that you correct this matter immediately to comply with the FCRA. Under Section 1681o, I am entitled to seek damages for any losses incurred due to this failure. I request that you resolve this dispute by [ date ], as failure to do so will leave me no choice but to pursue further legal remedies. Please provide a written confirmation of the resolution of this dispute within the statutory time limits, and make the necessary corrections to my consumer file. Thank you for your prompt attention to this matter. I look forward to your response.
Frequently Asked Questions
What is Complaint #12303730 about?
Complaint #12303730 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 2025-03-03T12:00:00-05:00.
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.