Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14986785
Complaint Overview
Complaint ID: 14986785
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: 77429
Date Received: 2025-07-30T12:00:00-05:00
Date Sent to Company: 2025-07-30T12:00:00-05:00
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 XXXX XXXX, TX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Deletion Insufficient Validation of Alleged Debt Dear CFPB, I am writing to formally dispute the accuracy of the account listed below in my credit report : Account Name : XXXX XXXX XXXX Re : Creditor XXXX at XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX Reported By : Experian, XXXX and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Upon my request for validation and investigation of this alleged debt, I received only a move-out statement and a digitally signed lease. No copy of my identification, Social Security number, or any of the information used in the application process was provided. The only accurate information shown was my former address, email address, and cell phone number. According to the CFPB lawsuit against Experian and XXXX ( XXXX ), simply providing generic statements or incomplete documentation does not satisfy the Fair Credit Reporting Act ( FCRA ) requirements for reasonable investigation and proper validation of debts. The law clearly states that you must provide actual, verifiable evidence that reasonably establishes I am the individual who incurred the alleged debt. The documents provided do not establish that I am legally responsible for this debt, nor do they prove the accuracy or ownership of the account.
Frequently Asked Questions
What is Complaint #14986785 about?
Complaint #14986785 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 2025-07-30T12:00:00-05:00.
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.