Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4665562

Complaint Overview

Complaint ID: 4665562

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: New Jersey

ZIP Code: 08520

Date Received: 2021-08-26T12:00:00-05:00

Date Sent to Company: 2021-08-26T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I have had an incorrect bankruptcy on my credit report for many years. I have tried to dispute this a couple times over the past couple years with no success, due to my own lack of knowledge of the proper steps to take. However, after filing a dispute with XXXX and Experian, I was told that the information has been verified by a third party company called XXXX. I then contacted XXXX on XX/XX/2021 and opened a dispute with them regarding this misinformation of a bankruptcy that is being reported to XXXX and Experian. on XX/XX/2021, XXXX sent me a letter with the results of their investigation. The results were they were unable to verify this information, and have removed/deleted this information from my XXXX report. I contacted XXXX and Experian on Friday, XX/XX/2021 regarding this information and reopened a dispute of this incorrect bankruptcy being reported by these companies on my record. XXXX, was magically able to close this dispute only two days later, on the Sunday of XX/XX/2021. Reporting that XXXX was able to verify this information with the courthouse, and that this record will remain on my credit report. Experian, closed this dispute on the Thursday, and XX/XX/2021. Experian also reported that XXXX was able to verify this information with the courthouse, and this bankruptcy will remain on my credit report. The issue is this bankruptcy being reported on my XXXX and Experian report is not mine. The " third party '' that is selling this misinformation, ( XXXX ) is either continuing to sell this misinformation about me, or XXXX and Experian are not truly " investigating '' the dispute I filed with them. Considering XXXX was able to close this dispute within two days, over a weekend, tells me everything I need to know. Experian continue 's to say " The company that reported this information has certified to Experian that this information is accurate '', ( XXXX ). I expect to have this incorrect public record removed from my XXXX and Experian credit report ASAP.

Frequently Asked Questions

What is Complaint #4665562 about?

Complaint #4665562 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 2021-08-26T12:00:00-05:00.

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.

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