Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18209021
Complaint Overview
Complaint ID: 18209021
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: California
ZIP Code: 90015
Date Received: 2025-12-21T12:00:00-05:00
Date Sent to Company: 2025-12-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by Equifax, Experian, and TransUnion related to my student loan accounts. These reporting issues are currently part of active litigation ; however, this complaint concerns the credit bureaus independent duties under the Fair Credit Reporting Act to ensure maximum possible accuracy. Between XXXX and XXXX, I obtained student loans that were later serviced by XXXX and subsequently transferred to XXXX XXXX. Since entering repayment, I have made payments in good faith. Beginning in XXXX and continuing into XXXX, I identified material discrepancies in how these accounts were reported across all three credit bureaus, including inconsistent balances, inaccurate payment histories, and interest accruals that did not align with my records. I submitted disputes to Equifax, Experian, and TransUnion throughout XXXX and XXXX, providing supporting documentation. Despite these disputes, the bureaus continued reporting the same inaccurate information. The responses appeared automated and did not reflect a reasonable reinvestigation of the disputed items. In some instances, information remained inconsistent across bureaus for the same account. These inaccuracies have caused ongoing, severe, and extreme harm to my credit profile, including adverse credit reporting despite my efforts to address and resolve the errors. This complaint does not seek to litigate the merits of the underlying loan dispute but instead addresses the credit bureaus failure to independently verify and correct inaccurate reporting. I am requesting that the CFPB require Equifax, Experian, and TransUnion to conduct a proper reinvestigation, correct or delete inaccurate information, and ensure that all reporting accurately reflects verified data, consistent with their obligations under the Fair Credit Reporting Act.
Frequently Asked Questions
What is Complaint #18209021 about?
Complaint #18209021 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 2025-12-21T12:00:00-05:00.
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.