Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12360001
Complaint Overview
Complaint ID: 12360001
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: South Carolina
ZIP Code: 298XX
Date Received: 2025-03-06T12:00:00-05:00
Date Sent to Company: 2025-03-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Dispute for Negligence and Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which addresses negligence and non-compliance resulting in harm to consumers. Inaccurate reporting and failure to investigate a dispute. Under the FCRA, it is your responsibility to ensure that accurate and verifiable information is reported, and any disputes are handled promptly and thoroughly. The following demonstrates your failure to comply : Negligence : Failing to verify information or follow procedures outlined by the FCRA. Non-Compliance : The refusal to provide requested documentation. This negligence and non-compliance have caused significant harm, including financial loss, lowered credit score, and emotional distress. As such, I am holding your company accountable for these violations. I request the following actions be taken immediately : Investigate this matter thoroughly in compliance with the FCRA. Correct all inaccurate information in my file and provide written confirmation. Provide a written explanation detailing the actions taken and evidence supporting your findings. Failure to address this matter appropriately may leave me with no choice but to pursue legal remedies available under 15 U.S.C. 1681o, which allows for recovery of actual damages, attorneys fees, and other costs. Please respond in writing within 30 days of receiving this letter. Send all correspondence to the address provided above.
Frequently Asked Questions
What is Complaint #12360001 about?
Complaint #12360001 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 2025-03-06T12:00:00-05:00.
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.