Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4839275

Complaint Overview

Complaint ID: 4839275

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: XXXXX

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

Tags: Servicemember

Consumer Narrative

Some company by the name XXXX XXXX put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with Experian who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.

Frequently Asked Questions

What is Complaint #4839275 about?

Complaint #4839275 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.

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