Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15509652
Complaint Overview
Complaint ID: 15509652
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: Alabama
ZIP Code: 361XX
Date Received: 2025-08-24T12:00:00-05:00
Date Sent to Company: 2025-08-24T12:00:00-05:00
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 XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX : XX/XX/year> Date : [ Insert Date ] RE : Formal Factual Basis Dispute - Demand for Permanent Deletion & Legal Accountability To Whom It May Concern, I, XXXX XXXX XXXX, submit this Formal Factual Basis Dispute and Demand for Permanent Deletion under the Fair Credit Reporting Act ( 15 U.S.C. Sec.Sec. 1681i ( a ), 1681e ( b ), 1681s-2 ( b ), and 1681s-2 ( b ) ( 1 ) ( A ) ), the FDCPA, and applicable federal identity protection laws ( 18 U.S.C. Sec. 1028A ). Pursuant to XXXX XXXX XXXX XXXX, failure to conduct a lawful reinvestigation and verify reported information constitutes a direct violation of 15 U.S.C. Sec. 1681s-2 ( b ). You are hereby required to answer : - Where is your proof? - What system did you access? - Time and date of that access? - How did you review the actual records? Unless you can produce signed contracts, itemized billing statements, or court-stamped documentation, you must permanently delete the following accounts as unverifiable, inaccurate, or unlawfully reported : ACCOUNTS TO DELETE - E-OSCAR CODES : - XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Code XXXX - XXXX XXXX XXXXXXXX & XXXX - Code XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Code 112 - XXXX XXXX XXXX * * * - Code A88 - XXXX XXXX XXXX - Code 001 - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Code A88 - XXXXXXXX XXXX XXXX XXXX - Code 001 ( Equifax Only ) - CHAPTER XXXX BANKRUPTCY REF # XXXX - Code A88 Your continued reporting of unverified debt, conflicting data, and unauthorized inquiries violates the FCRA, FDCPA, and GAAP standards XXXX Failure to comply will result in formal complaints to the CFPB, FTC, State Attorney General, and immediate civil action under 15 U.S.C. Sec.Sec. 1681n & 1681o. No stall letters. No partial updates. Delete or provide full legal documentation. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #15509652 about?
Complaint #15509652 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 2025-08-24T12:00:00-05:00.
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.