Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4460288
Complaint Overview
Complaint ID: 4460288
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 75219
Date Received: 2021-06-14T12:00:00-05:00
Date Sent to Company: 2021-06-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My wallet has been stolen on several occasions and my information has been leaked in a data breach. Following these events, someone used my name, Social Security number, date of birth, and other identifying information, without my authority, to commit fraud on behalf of XXXX XXXX, XXXX XXXX XXXX, AMOUNT : {$2300.00}. I did not authorize or give consent to Experian, XXXX XXXX, XXXX XXXX XXXX or any other agency to furnish information related to me. Following my previous dispute, I was informed that XXXX XXXX, XXXX XXXX XXXX, AMOUNT : {$2300.00} was deleted from my credit report granted that it is a fraudulent account. I DID NOT AUTHORIZE THIS ACCOUNT! As such, it should be removed and blocked from my credit report. XXXX XXXX, Account NumberXXXX, has not been reported properly. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was around XX/XX/2019. As has been noted, a credit investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, Experian did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. Experians employees are no more than data entry clerks in the dispute and investigation process. Experian did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors.
Frequently Asked Questions
What is Complaint #4460288 about?
Complaint #4460288 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-06-14T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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, credit repair services, 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.