Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13206095
Complaint Overview
Complaint ID: 13206095
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: Texas
ZIP Code: 752XX
Date Received: 2025-04-27T12:00:00-05:00
Date Sent to Company: 2025-04-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX Dates XX/XX/year> To Whom It May Concern, I am formally disputing the accuracy and completeness of the account information being reported for : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Upon detailed review, I have identified violations of the Fair Credit Reporting Act ( FCRA ) and non-compliance with the Metro 2 reporting format, which the Consumer Data Industry Association ( CDIA ) requires for accurate reporting. Specifically, the reporting of a late payment on this account does not adhere to the Metro 2 compliance standards, which constitute inaccurate and incomplete information under FCRA 15 U.S.C. 1681s-2. You are now required to either : Provide verifiable, documented proof that the reported information meets every standard of Metro 2 formatting compliance ; or Permanently delete the inaccurate tradeline from all consumer reporting agencies immediately. Failure to correct and remove the inaccurately reported late payment will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I will also pursue private legal remedies available under FCRA statutes, including statutory damages, attorneys fees, and court costs. You are obligated to complete this investigation within 30 days of receipt of this dispute as outlined in the FCRA. Please provide your findings and a new copy of my credit report reflecting these corrections. This letter serves as my final attempt to resolve this matter directly. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13206095 about?
Complaint #13206095 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 2025-04-27T12:00:00-05:00.
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.