Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #17084221
Complaint Overview
Complaint ID: 17084221
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: Washington
ZIP Code: 98375
Date Received: 2025-11-06T12:00:00-05:00
Date Sent to Company: 2025-11-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint because I recently reviewed my credit report and discovered that the account reported by XXXX XXXX ( Account No. XXXX ), showing a balance of {$35000.00}, contains inaccurate and misleading late payment. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be incomplete or incorrect in my credit report. The reporting of this XXXX XXXX account does not align with the actual status or payment history that I maintained. Furthermore, under FCRA 623 ( a ) ( 2 ), furnishers have a legal duty to correct and update information that they know, or have reasonable cause to believe, is inaccurate. This duty extends to ensuring that consumers are not unfairly penalized due to reporting errors or outdated data. I also remind you that FCRA 623 ( b ) requires the furnisher to conduct a proper and reasonable investigation once a dispute has been filed. Congress made its intent very clear under FCRA 602, emphasizing that the accuracy and integrity of credit reporting are essential to ensure fair and equitable treatment of consumers. Errors such as this not only impact my credit score but also undermine the very purpose of the Fair Credit Reporting Act to promote fairness, accuracy, and privacy in credit reporting.
Frequently Asked Questions
What is Complaint #17084221 about?
Complaint #17084221 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 2025-11-06T12:00:00-05:00.
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.