Credit card -- Getting a credit card -- Complaint #15890881
Complaint Overview
Complaint ID: 15890881
Company: Experian Information Solutions INC.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: Florida
ZIP Code: 335XX
Date Received: 2025-09-11T12:00:00-05:00
Date Sent to Company: 2025-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because the credit reporting agency has willfully violated my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I submitted a reinsertion challenge regarding previously deleted accounts. Under FCRA 611 ( a ) ( 5 ) ( B ), a consumer reporting agency is prohibited from re-inserting information unless the furnisher of the information has certified that the information is complete and accurate. In addition, the consumer must be notified in writing within 5 business days of the reinsertion. The credit reporting agency failed to provide the required notice and has allowed inaccurate and unverifiable information to remain on my report. This practice is unlawful, causes harm to me as a consumer, and is a direct violation of federal law. I am requesting that the CFPB take immediate action to investigate this matter, ensure compliance with the FCRA, and require the credit reporting agency to remove the reinserted items from my file. I have not supplied proof under the doctrine of estoppel by silence, Engelhart v. Gravens ( Mo ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Frequently Asked Questions
What is Complaint #15890881 about?
Complaint #15890881 was filed against Experian Information Solutions INC. regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-09-11T12:00:00-05:00.
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 card) 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.