Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12788788
Complaint Overview
Complaint ID: 12788788
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: Alabama
ZIP Code: 35215
Date Received: 2025-04-01T12:00:00-05:00
Date Sent to Company: 2025-04-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Al, ZIP XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] [ EXPERIAN XXXX [ XXXX XXXX XXXX XXXX XXXX Tx XXXX ] [ Acct. XXXX XXXX XXXX XXXX # XXXX Subject : Dispute of Inaccurate Credit Reporting and Improper Investigation Dear [ CFPB ], I am writing to formally dispute inaccurate information that appears on my credit report. Additionally, I am concerned that your investigation into my previous dispute was not conducted properly. The following information on my credit report is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Error Description : [ inaccuracye.g.balance, account that doesnt belong to me, obtaining my personal info without consumers consent, no known knowledge of the Reporting agency, Fraud. ] I previously submitted a dispute yet I have reason to believe that the investigation was not properly conducted. [ Reasons lack of evidence provided, failure to communicate results, or no change made despite supporting documents or any signed documents with my signature, i also have not given any formal consent nor have i ever heard of said agency it is considered fraud for unknown agency to have my personalinformation without my knowledge. ]. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must conduct a reasonable investigation into disputes and provide verified, accurate information. If the disputed item can not be verified, it must be removed. I request that you re-investigate this matter thoroughly and provide me with documentation verifying the accuracy of the reported information or remove the incorrect entry immediately. Sincerely, [ XXXX XXXX ] This letter ensures that you document your dispute and hold the credit bureau accountable. Let me know if you need any modifications!
Frequently Asked Questions
What is Complaint #12788788 about?
Complaint #12788788 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 2025-04-01T12:00:00-05:00.
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.