Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12658437
Complaint Overview
Complaint ID: 12658437
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: 294XX
Date Received: 2025-03-25T12:00:00-05:00
Date Sent to Company: 2025-03-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Against Experian for FCRA Violations and Improper Dispute Handling I am filing this complaint to report Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) and properly address disputes regarding inaccuracies on my credit report. Despite multiple letters I sent to Experian, they have not complied with their obligations under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). These inaccuracies have severely impacted my credit score and financial opportunities.Additionally, I recently became aware of the CFPB 's lawsuit against Experian for conducting " sham investigations '' into consumer disputes and reinserting previously removed inaccuracies. My experience aligns with these allegations, as Experian has failed to investigate my disputes thoroughly and has allowed errors to persist on my credit report. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12658437 about?
Complaint #12658437 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 2025-03-25T12:00:00-05:00.
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.