Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15051662
Complaint Overview
Complaint ID: 15051662
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: Pennsylvania
ZIP Code: 19121
Date Received: 2025-08-03T12:00:00-05:00
Date Sent to Company: 2025-08-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against Experian for misrepresenting the dates of my dispute submissions, in potential violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I mailed certified dispute letters to Experian, which included a formal written dispute of inaccurate personal information and fraudulent accounts. However, Experian falsely claims I submitted my dispute on XX/XX/2025. These dates do not reflect the actual date the disputes were received via certified mail and may constitute an intentional delay in logging my dispute, thus extending the 30-day investigation timeline allowed under FCRA 611 ( a ) ( 1 ) ( A ). This could result in continued unlawful reporting of disputed and potentially fraudulent accounts. I am requesting that the CFPB : Investigate whether my disputes were properly received and logged in a timely manner, Review internal handling procedures by Experian for certified mail dispute processing, Determine if any delay or falsification in logging dates constitutes a willful or negligent violation of the FCRA. I also request copies of any documentation Experian has regarding the date of receipt, date of investigation initiation, and the method of dispute verification for each disputed item. Thank you for your attention to this matter.
Frequently Asked Questions
What is Complaint #15051662 about?
Complaint #15051662 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 2025-08-03T12:00:00-05:00.
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.