Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12727299
Complaint Overview
Complaint ID: 12727299
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: 333XX
Date Received: 2025-03-29T12:00:00-05:00
Date Sent to Company: 2025-03-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX RESPONDED TO MY LAST DISPUTE WITH A STALL LETTER, IM THE ONE, I AM ME, THEIR IS NO ONE DOING THIS DISPUTE FOR ME. STOP WITH THE STALL LETTER AND NOW DO A REINVESTIGATION ON THE ACCOUNT, THE ONLY THING XXXX XXXX IS DOING IS ADD MORE VIOLATIONS AND I WILL ENFORCE THEM THATS A PROMISE. HERE THIS THE DISPUTE : Request for Information on Consumer Rights Dear [ XXXX XXXX ], I am reaching out with a sense of urgency and determination regarding my consumer rights. I understand that this account is currently marked as charged off, but it is imperative that I obtain specific information to fully understand my rights and obligations. I kindly request your assistance in providing answers to the following critical questions : 1. Date Opened : When was this account initially established? 2. High Credit : What is the highest amount charged on this account? 3. Credit Limit : What was the original credit limit assigned to this account? 4. Date Last Reported to Credit Bureaus : When was this account last reported to the credit bureaus? 5. Date When Charged Off : On what date was this account officially charged off? 6. Date Last Active : When was the last activity recorded on this account? 7. Date of Last Payment : What is the date of the most recent payment made on this account? 8. Two-Year Payment History Reported to the Credit Bureaus : 9. Can you provide the payment history for the past two years as reported? Your prompt response to these inquiries is not only appreciated but essential for my understanding of my consumer rights and the implications of this account status. Thank you for your attention to this matter. Sincerely, XXXX XXXX UCC 1-308 All Rights Reserved
Frequently Asked Questions
What is Complaint #12727299 about?
Complaint #12727299 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 2025-03-29T12:00:00-05:00.
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.