Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12665536
Complaint Overview
Complaint ID: 12665536
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: Florida
ZIP Code: 33324
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
I filed a dispute regarding an account under the name " XXXX XXXX XXXX '' due to the debtor 's failure to provide a purchase agreement, a method of verification, or a description of the procedure, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Additionally, they unlawfully acquired my personal information without my direct consent. Despite these clear violations, Experian has failed to conduct a proper investigation or provide any substantive evidence negating my claim. Furthermore, I was recently informed that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, citing its acceptance of unreliable information and its failure to properly notify consumers of dispute results, issues that directly mirror my unresolved case. Despite this, Experian has made no effort to remove or rectify the inaccurate information on my credit report. Given the significant and unjust impact this derogatory mark has on my ability to lease a vehicle and utilize my credit, I am formally requesting its immediate removal or correction. Experians continued failure to take corrective action not only infringes upon my consumer rights but also constitutes a direct violation of federal law.
Frequently Asked Questions
What is Complaint #12665536 about?
Complaint #12665536 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.