Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14383797

CFPB complaint 14383797 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 June 30, 2025.

Complaint 14383797 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.

Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.

Complaint 14383797 was received by the CFPB on June 30, 2025. It was sent to Experian Information Solutions Inc. on June 30, 2025.

Complaint 14383797 was filed from Texas. You can view all complaints from this state at /state/TX.

Dispute information is not available for complaint 14383797.

Complaint 14383797 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 14383797 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate consumer disputes regarding inaccurate information on credit reports in a timely and thorough manner. 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".

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.

This complaint is rated as medium risk. The company's failure to investigate and correct a reported error could lead to ongoing financial harm for the consumer, including denial of credit or unfavorable terms.

This case highlights the importance of the FCRA's dispute resolution process and the potential for regulatory scrutiny if companies fail to meet their obligations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should keep detailed records of all communications with credit bureaus and companies, and consider escalating the complaint if the initial investigation is unsatisfactory.

The consumer is located in Texas, and state-specific consumer protection laws may also apply to this dispute. This complaint was filed from Texas.

Credit bureaus are expected to have robust dispute resolution processes; failure to correct errors is a common but serious issue within the industry.

A consumer can file a complaint with the CFPB, send a dispute letter to the credit bureau via certified mail, and potentially consult with an attorney specializing in consumer law.

Under the FCRA, credit bureaus generally have 30 days to investigate a consumer dispute, with a possible extension to 45 days if the consumer provides additional information within that initial period.