Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14987254
Complaint Overview
Complaint ID: 14987254
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: District of Columbia
ZIP Code: 20019
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
Tags: Servicemember
Consumer Narrative
Equifax, TransUnion, and Experian have failed to initiate or complete a proper reinvestigation and are continuing to report negative information that is inaccurate and unverifiable. This is unacceptable and unlawful under the Fair Credit Reporting Act ( FCRA ). I previously submitted a detailed dispute with supporting documentation including a government-issued ID, matching address, full legal name, date of birth, and Social Security number ( I included the exact photocopy id I used for all below ). Despite this, the information was either ignored, dismissed without investigation, or falsely verified as accurate, without providing any actual documentation or proof of verification. In Equifaxs case, they even claimed they could not verify my identity, despite receiving the same valid documents that were accepted by Experian and TransUnion. It raises concern about how Equifax is handling identity verification and dispute resolution in compliance with FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ), which require a reasonable reinvestigation and proper notice to the data furnisher. This is not a new dispute. I am not initiating another dispute. I am demanding deletion. These accounts have already been disputed and remain on my report without legitimate verification. Under FCRA 1681i ( a ) ( 5 ), unverifiable information must be removed. The information has remained on my credit file despite their inability or refusal to produce any documentation validating the late payment reporting. This is willful noncompliance, and deletion is now the only acceptable resolution.
Frequently Asked Questions
What is Complaint #14987254 about?
Complaint #14987254 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.