Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18551381
Complaint Overview
Complaint ID: 18551381
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: North Carolina
ZIP Code: 28278
Date Received: 2026-01-07T12:00:00-05:00
Date Sent to Company: 2026-01-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Per my Previous complaint ( Complaint ID : XXXX ) I submitted a request for multiple accounts reporting on my credit that are inaccuracy and have not been validated nor verified which is a pure violated of the FCRA. Including incorrect addresses ( Personal information and accounts ) There also is another person who shares my exact name. ( Proper documentation verified this ). I needed to see documentation and never have. Report number : Report Number XXXX Report Number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Most importantly a Charge off for an account : Account name XXXX XXXX Account number XXXX This account was reported this without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws.I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures. Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX
Frequently Asked Questions
What is Complaint #18551381 about?
Complaint #18551381 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 2026-01-07T12:00:00-05:00.
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.