Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18029077
Complaint Overview
Complaint ID: 18029077
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: New Jersey
ZIP Code: 07740
Date Received: 2025-12-14T12:00:00-05:00
Date Sent to Company: 2025-12-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute and request verification of the following account ( s ) currently being reported on my consumer credit file. Creditor Name : XXXX XXXX, XXXX, Experian, CFPB Amount Reported : XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting full verification and validation of this alleged debt. Please provide competent evidence that I am legally obligated for the account, including but not limited to : A copy of the original signed agreement or contract bearing my signature Documentation showing the complete payment history Proof that the reporting party has the legal authority to collect and report this debt Verification of the accuracy and timeliness of the information being furnished If you are unable to provide the requested documentation, you are required under federal law to remove this account from my credit report. Please note that this request is not an acknowledgment of liability, nor is it an agreement to pay. It is a formal request for verification as permitted by law. I expect your investigation to be completed within the timeframe required by the FCRA. Failure to comply may result in further action to protect my consumer rights. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #18029077 about?
Complaint #18029077 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 2025-12-14T12:00:00-05:00.
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.