Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13397945
Complaint Overview
Complaint ID: 13397945
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: 750XX
Date Received: 2025-05-07T12:00:00-05:00
Date Sent to Company: 2025-05-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against Experian Regarding Inaccurate Credit Reporting and Violation of the FCRA Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for reporting inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Nature of the Complaint : XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX is reporting a date of first delinquency on the above XXXX XXXXXXXX accounts that does not match my records. This discrepancy is negatively affecting my credit profile and overall creditworthiness. Despite submitting disputes directly to XXXX XXXX and the credit bureaus, the inaccurate information remains unchanged. This failure to correct the error suggests a lack of reasonable procedures to maintain the accuracy of consumer data, as required by 15 U.S.C. 1681e ( b ). Furthermore, I am aware that the CFPB has initiated legal action against Experian, which adds to my concerns about their ongoing noncompliance with federal consumer protection laws. My Request : I am requesting a full investigation into Experians handling of this account and the accuracy of the reported delinquency date. I am also requesting full disclosure of the XXXX XXXX XXXX ( XXXX ) of my profile. I trust the CFPB will ensure that Experian is held accountable under the law and that my rights as a consumer are fully protected. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13397945 about?
Complaint #13397945 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 2025-05-07T12:00:00-05:00.
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.