Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4476081
Complaint Overview
Complaint ID: 4476081
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: Tennessee
ZIP Code: 38109
Date Received: 2021-06-20T12:00:00-05:00
Date Sent to Company: 2021-06-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my Experian credit report. On XX/XX/XXXX, Experian replied to the dispute and advised that they received correspondence from XXXX, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. On XX/XX/XXXX, I contacted XXXX for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website experian.com/upload. I was then advised that I needed to open another dispute with Experian which I did. I have submitted numerous disputes, but the most recent was done on XX/XX/XXXX and on XX/XX/XXXX Experian replied AGAIN and states that the bankruptcy was certified as accurate by XXXX. I contacted XXXX again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why Experian is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. Experian uses XXXX to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from Experian, yet they are choosing not to do the rightful thing, and that is to remove this negative item. Attached you will find a copy of the resolution letter from XXXX dated XX/XX/XXXX that confirms they removed the bankruptcy, but Experian is refusing to remove it.
Frequently Asked Questions
What is Complaint #4476081 about?
Complaint #4476081 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 2021-06-20T12:00:00-05:00.
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, 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.