Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16969532
Complaint Overview
Complaint ID: 16969532
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: Investigation took more than 30 days
State: New York
ZIP Code: 116XX
Date Received: 2025-11-01T12:00:00-05:00
Date Sent to Company: 2025-11-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for failing to comply with my lawful request under the Fair Credit Reporting Act ( FCRA ) to provide the full method of verification and reinvestigation details required by 15 U.S.C. 1681i ( 7 ). I previously submitted formal written disputes regarding inaccurate items on my credit reports and requested a detailed explanation of the procedures each bureau used to verify the disputed information. The FCRA requires that upon request, the consumer reporting agency must provide a description of the reinvestigation procedure, including the name, address, and telephone number of any furnisher contacted, as well as the documents relied upon during verification. To date, none of the credit bureaus have provided the information required by law. This failure violates multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( 7 ) : Failure to provide the method of verification within XXXX days. 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy. 15 U.S.C. 1681i ( a ) : Failure to conduct a proper and reasonable reinvestigation. I specifically requested the following information, which was ignored or not adequately provided : The name, address, and phone number of each creditor contacted. The name of the person or department that verified each dispute. The documents used to verify the accuracy of the reported items. A description of the procedures used to ensure accuracy. If the credit bureaus can not produce this evidence, they are required to delete or correct the inaccurate information under 15 U.S.C. 1681i ( a ) ( 5 ). Their failure to do so has caused continued harm to my credit and constitutes negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o.
Frequently Asked Questions
What is Complaint #16969532 about?
Complaint #16969532 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 2025-11-01T12:00:00-05:00.
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.