Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4950349

Complaint Overview

Complaint ID: 4950349

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: Massachusetts

ZIP Code: 02301

Date Received: 2021-11-26T12:00:00-05:00

Date Sent to Company: 2021-11-26T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I have requested that Experian and XXXX preform a independent investigation with dispute on XXXX account XXXX. This account is being inconsistent reporting first date of delinquent by both credit bureaus and has been re-aged. Re-aged account is a violation of the FCRA. XXXX report XXXX is XX/XX/XXXX Experian is reporting XX/XX/XXXX. XXXX report XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX. XXXX report XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX. There are different years, months and dates of first Delinquency on all three reports for each month This is inconsistent reporting by XXXX and Experian. This account account has been illegally re-aged which is a violation of the FCRA requirements. I have attached a copy of my credit reports as proof for the months showing the inconsistent reporting by the credit bureaus.

Frequently Asked Questions

What is Complaint #4950349 about?

Complaint #4950349 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 2021-11-26T12:00:00-05:00.

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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