Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14500712
Complaint Overview
Complaint ID: 14500712
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: Was not notified of investigation status or results
State: Texas
ZIP Code: 77373
Date Received: 2025-07-05T12:00:00-05:00
Date Sent to Company: 2025-07-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/, Experian reinserted two previously blocked identity theft accounts : XXXX XXXX ( {$650.00}, charged-off ) and XXXX XXXX XXXX XXXX {$1800.00}, charged-off ). These accounts were already removed following a valid FTC Identity Theft Report ( # XXXX ), yet Experian has again reinserted them without meeting the legal requirements under FCRA 605B ( d ). No written notice within 5 business days of reinsertion was provided. No material misrepresentation, no ink-signed contract, and no documentation showing I received goods/services was provided as required by FCRA 605B ( c ). Previously, I submitted a Procedural Request under FCRA 611 ( a ) ( 7 ) demanding details on their investigation methods, verification sources, and data furnisher contact information. Experian failed to respond. Their repeated failure to properly block and their unauthorized reinsertion constitutes willful noncompliance under FCRA 1681c-2, 1681i ( a ) ( 7 ), 1681s-2 ( b ). Relevant case law such as Cushman v. TransUnion Corp. and Dennis v. BEH-1 confirms the duty to reasonably investigate and prevent re-reporting of fraudulent data. I am requesting immediate regulatory enforcement to compel Experian to permanently delete these accounts, provide full reinvestigation documentation, and comply with federal law.
Frequently Asked Questions
What is Complaint #14500712 about?
Complaint #14500712 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 2025-07-05T12:00:00-05:00.
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.