Credit card -- Getting a credit card -- Complaint #13832791
Experian Accused of Denying Dispute Rights for Credit Reporting
Complaint Overview
Complaint ID: 13832791
Company: Experian Information Solutions INC.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: Alabama
ZIP Code: 35010
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: high
The consumer's claim that Experian failed to provide a dispute mechanism for reported debts directly implicates FCRA requirements, suggesting a high likelihood of regulatory concern.
Consumer Sentiment: negative
Topics: Credit reporting, Fair Credit Reporting Act, Dispute resolution
AI Analysis
CFPB complaint 13832791 was filed against Experian Information Solutions Inc. regarding Credit card (General-purpose credit card or charge card), specifically about "Getting a credit card". The consumer alleges Experian improperly reported accounts on their credit report without providing an opportunity to dispute the debt, violating the Fair Credit Reporting Act (FCRA). The complaint was received on May 31, 2025 from Alabama. The company responded with "Closed with explanation".
Consumer Narrative
b"I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN on my credit report without providing me the option to dispute the dept, as is my right under the Fair Credit Reporting Act (FCRA) required by 12 CHR 1006,34(D(3), yet they have proceeded to place: 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 accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34(c)(4)(1). This denial of the dispute process deprives me of my rights to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.EXPERIAN has resorted to false, misleading and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermining the integrity of the debt collection process and cause undue distress to consumers. 2. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34(d) and 15 USC 1681-S 2(7)(A). EXPERIAN ia flagrantly disregarding consumer protection statutes. I did not receive any notice from: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 accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the XXXX breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN remove these account's from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports and immediately dispute any inaccuracies or accounts they do not recognize or have not agreed to.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) and Consumer Financial Protection Act (CFPA) govern how credit reporting agencies handle consumer information and disputes.
Regulatory Insight
This complaint highlights the critical importance of providing consumers with a clear and accessible process to dispute information on their credit reports as mandated by law.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint was filed in Alabama and pertains to credit reporting practices.
Industry Comparison
Credit reporting agencies like Experian are expected to adhere strictly to FCRA regulations regarding dispute resolution.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13832791 about?
CFPB complaint 13832791 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Getting a credit card", specifically "Card opened without my consent or knowledge". This complaint was filed against Experian Information Solutions Inc. on May 31, 2025.
Which company is complaint 13832791 filed against?
Complaint 13832791 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 13832791?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13832791 filed?
Complaint 13832791 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 13832791 filed from?
Complaint 13832791 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 13832791?
Dispute information is not available for complaint 13832791.
What product category is complaint 13832791 about?
Complaint 13832791 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 13832791 submitted?
Complaint 13832791 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 13832791?
The Fair Credit Reporting Act (FCRA) and Consumer Financial Protection Act (CFPA) govern how credit reporting agencies handle consumer information and disputes. This relates to a Credit card complaint against Experian Information Solutions Inc. involving "Getting a credit card".
How likely is complaint 13832791 to be resolved?
Resolution likelihood: likely. 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 13832791?
This complaint is rated as high risk. The consumer's claim that Experian failed to provide a dispute mechanism for reported debts directly implicates FCRA requirements, suggesting a high likelihood of regulatory concern.
What regulatory actions apply to complaint 13832791?
This complaint highlights the critical importance of providing consumers with a clear and accessible process to dispute information on their credit reports as mandated by law. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 13832791?
Consumers should carefully review their credit reports and immediately dispute any inaccuracies or accounts they do not recognize or have not agreed to.
Are there state-specific protections for complaint 13832791?
The complaint was filed in Alabama and pertains to credit reporting practices. This complaint was filed from Alabama.
How does complaint 13832791 compare to industry norms?
Credit reporting agencies like Experian are expected to adhere strictly to FCRA regulations regarding dispute resolution.
What specific documentation or evidence does the consumer need to provide to support their claim of not consenting to the card opening?
The consumer would ideally provide any evidence showing they did not apply for or authorize the credit card, such as a lack of signature on applications or communication with the original creditor.
What are the typical steps Experian must take when a consumer disputes an account?
Experian must investigate the dispute, contact the furnisher of the information, and review all relevant information. If the information is found to be inaccurate or incomplete, it must be corrected or removed.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.