Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12322525
Complaint Overview
Complaint ID: 12322525
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: 90242
Date Received: 2025-03-04T12:00:00-05:00
Date Sent to Company: 2025-03-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : CFPB Complaint Experian Verification of Information Without Proof Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding the verification of inaccurate information on my credit report without providing any supporting proof. Despite my repeated requests for documentation verifying the accuracy of this information, Experian has failed to provide the necessary evidence to substantiate their claims. The details of my complaint are as follows : Nature of the Dispute : I have disputed an item on my credit report that I believe is inaccurate or incomplete. Experian has verified the information but has not provided any documentation or proof to substantiate the accuracy of the entry. Timeline : I filed a dispute on XX/XX/year>, but Experian responded on the same day XX/XX/year>, confirming the information without any supporting documentation or proof that it is correct. I have contacted Experian multiple times to request supporting documentation or proof of the reported information, but they have either not responded or failed to provide any substantial evidence. Attached documents are included to show that I filed disputes with Experian on XX/XX/year> and getting same day judgement of the dispute without any regards of showing proof or documentation. As per the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies are required to investigate disputed information and provide proof of its accuracy if it is verified. However, in this case, Experian has not provided the necessary documentation, which has resulted in a violation of my rights as a consumer. I am requesting the following actions to be taken : A thorough investigation into the matter, including providing proof or documentation supporting the validity of the information on my credit report. A correction or removal of the inaccurate information if Experian can not provide adequate proof of its accuracy. A formal response to my complaint and an update on the status of my dispute. I trust that the CFPB will investigate this matter and take appropriate action to ensure that my rights are upheld and that Experian complies with the Fair Credit Reporting Act. Please feel free to contact me at my email XXXX for any additional information or clarification. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12322525 about?
Complaint #12322525 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 2025-03-04T12:00:00-05:00.
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.