Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16737476
Complaint Overview
Complaint ID: 16737476
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: Nevada
ZIP Code: 89149
Date Received: 2025-10-21T12:00:00-05:00
Date Sent to Company: 2025-10-21T12:00:00-05:00
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 willfully failing to conduct a proper investigation into my mailed dispute concerning inaccurate information on my credit report. On XX/XX/year>, I mailed a formal dispute letter to Experian via XXXX XXXX Mail ( Tracking # XXXX ). The letter included copies of my government-issued photo ID, Social Security card , and a recent utility bill to verify my identity and address. In that correspondence, I requested an investigation into the inaccurate items and the correction of erroneous personal information appearing on my credit file. According to USPS tracking records, Experian received my dispute on XX/XX/year>. However, instead of investigating the matter as required under the Fair Credit Reporting Act ( FCRA ), Experian sent me an email dated XX/XX/year> stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response is unacceptable and appears to be a deliberate attempt to avoid compliance with the FCRA. My dispute was sent directly by me, with complete identity and address verification enclosed. Experians refusal to conduct a reinvestigation despite confirmed receipt and proper identification constitutes a willful violation of federal law. Attached are copies of my dispute letter, XXXX proof of delivery, and Experians response.
Frequently Asked Questions
What is Complaint #16737476 about?
Complaint #16737476 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 2025-10-21T12:00:00-05:00.
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.