Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12474022
Complaint Overview
Complaint ID: 12474022
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: Ohio
ZIP Code: 45238
Date Received: 2025-03-08T12:00:00-05:00
Date Sent to Company: 2025-03-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear Experian Customer Service I am writing to follow up on my previous correspondence regarding my XXXX XXXX account ending in XXXX, account number XXXX. On XX/XX/XXXX, I wrote to you requesting an investigation into this account, but I did not receive a response. Subsequently, on XX/XX/XXXX, I submitted another letter requesting further investigation. On XX/XX/XXXX, I received a response indicating that the account had been updated and verified. I will attach a copy of that letter for your reference. Additionally, on XX/XX/XXXX, I reached out directly to XXXX XXXX to request specific information regarding this account, including the first date of delinquency, the date of last activity, and the date of charge-off. XXXX XXXX responded on XX/XX/XXXX, providing the requested details, which I will also attach for your records. According to their response, the account was charged off on XX/XX/XXXX, and the first date of delinquency was XX/XX/XXXX. However, I have noticed discrepancies in the reporting of this account on my Experian credit report. Specifically, Experian is reporting this account as being paid on time for both the charge-off date and the first delinquent date, which does not align with the information provided by XXXX XXXX XXXX Additionally, the account is marked as charged off but is still reporting a past due balance. If Experian conducted a thorough investigation and verified this account with XXXX XXXX, I must question how these inconsistencies were overlooked. I have kept a meticulous record of all correspondence regarding this matter. If this issue is not addressed promptly, I will have no choice but to consider legal action to ensure my rights are protected. I appreciate your immediate attention to this matter and look forward to your prompt response. Thank you for your assistance. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12474022 about?
Complaint #12474022 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 2025-03-08T12:00:00-05:00.
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.