Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13828511
Experian Fails to Correct Credit Report Error After Investigation
Complaint Overview
Complaint ID: 13828511
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: Tennessee
ZIP Code: 37122
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The company's investigation did not resolve the reported error, indicating a potential failure in their dispute resolution process.
Consumer Sentiment: negative
Topics: Credit reporting, Dispute resolution, Inaccurate information
AI Analysis
CFPB complaint 13828511 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Problem with a company's investigation into an existing problem". A consumer reported an issue with Experian's investigation into an error on their credit report, which was not resolved. The complaint was received on May 31, 2025 from Tennessee. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
If an error persists after a company's investigation, consider escalating the dispute to the CFPB or seeking legal counsel.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate consumer disputes regarding inaccurate information.
Regulatory Insight
This case highlights the importance of thorough and accurate investigations by credit bureaus to maintain the integrity of consumer credit reports.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Tennessee, and the complaint was submitted via the web.
Industry Comparison
Credit reporting agencies are expected to have robust processes for handling disputes and correcting errors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828511 about?
CFPB complaint 13828511 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Their investigation did not fix an error on your report". This complaint was filed against Experian Information Solutions Inc. on May 31, 2025.
Which company is complaint 13828511 filed against?
Complaint 13828511 was filed against Experian Information Solutions Inc.. You can view all complaints against this company on their profile page at /company/experian-information-solutions-inc.
What was the company's response to complaint 13828511?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828511 filed?
Complaint 13828511 was received by the CFPB on May 31, 2025. It was sent to Experian Information Solutions Inc. on May 31, 2025.
What state was complaint 13828511 filed from?
Complaint 13828511 was filed from Tennessee. You can view all complaints from this state at /state/TN.
Was the consumer satisfied with the resolution of complaint 13828511?
Dispute information is not available for complaint 13828511.
What product category is complaint 13828511 about?
Complaint 13828511 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 13828511 submitted?
Complaint 13828511 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13828511?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate consumer disputes regarding inaccurate information. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Problem with a company's investigation into an existing problem".
How likely is complaint 13828511 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13828511?
This complaint is rated as medium risk. The company's investigation did not resolve the reported error, indicating a potential failure in their dispute resolution process.
What regulatory actions apply to complaint 13828511?
This case highlights the importance of thorough and accurate investigations by credit bureaus to maintain the integrity of consumer credit reports. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 13828511?
If an error persists after a company's investigation, consider escalating the dispute to the CFPB or seeking legal counsel.
Are there state-specific protections for complaint 13828511?
The consumer is located in Tennessee, and the complaint was submitted via the web. This complaint was filed from Tennessee.
How does complaint 13828511 compare to industry norms?
Credit reporting agencies are expected to have robust processes for handling disputes and correcting errors.
What are the consumer's next steps if Experian's investigation fails to correct the error?
The consumer can file a complaint with the CFPB, request a reinvestigation, or consult with an attorney specializing in consumer protection law.
Under what circumstances can a consumer sue a credit reporting agency for a flawed investigation?
A consumer may have grounds to sue if the agency's investigation was negligent or willful, leading to damages, and if they have exhausted administrative remedies.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.