Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4839129
Complaint Overview
Complaint ID: 4839129
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: Investigation took more than 30 days
State: Wisconsin
ZIP Code: 53144
Date Received: 2021-10-24T12:00:00-05:00
Date Sent to Company: 2021-10-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I believe that Experian is in violation of the FCRA and my consumer rights. Per the FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not legally validate disputed information with the original creditor, they must remove said information from consumer profile. The listed bankruptcy had not been legally verified/validated. I have proven more than once with letters and other documentation from the Bankruptcy Courthouse and Pacer Email correspondence that neither entity report to credit bureaus or to third parties. Furthermore, each entity stated they do not confirm bankruptcies due to privacy laws. In fact, it is third party providers who collect information and in turn sell or give it to the CRA. However, per Rule 9037 of the Federal Rules of Bankruptcy Procedure - bankruptcies must be verified/validated by matching consumer 's FULL Social Security Number. Yet per section 205 ( c ) ( 3 ) there is no way to match social security numbers due to privacy compliance that states no one 's full social is to be listed on a public records cite. Despite these laws, XXXX maintains that the bankruptcy listed has been verified. First they claimed the furnisher was XXXX XXXX. When I proved XXXX XXXX has no bankruptcy listed within my consumer profile they switched to claims that they verified with original creditor, which is false & fraud. They have never legally verified with the courts or pacer. I've been battling with XXXX regarding this since XXXX. Whenever they initiate a dispute or reinvestigation because I sent proof they're claims of verification are fraudulent, they close out the dispute or reinvestigation within an hour claiming verified. This is an additional violation of the FCRA Furnisher and Dispute Investigation Rule.
Frequently Asked Questions
What is Complaint #4839129 about?
Complaint #4839129 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 2021-10-24T12:00:00-05:00.
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.