Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4958038

Complaint Overview

Complaint ID: 4958038

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: Washington

ZIP Code: 98520

Date Received: 2021-11-29T12:00:00-05:00

Date Sent to Company: 2021-11-29T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/XXXX I sent a dispute Certified Mail # XXXX to Experian wherein I disputed XXXX Account # XXXX date of last activity, DOFD, Payment History On XX/XX/XXXX Experian received my dispute as recorded on the return receipt. On XX/XX/XXXX Experian sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. On XX/XX/XXXX, I proceeded to access my consumer report via Experians website and make copies of the information pertaining to XXXX Account # XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. While the correspondence that was sent by Experian on XX/XX/XXXX indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. It has been 70 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation date of XX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of XX/XX/XXXX from my Experian file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account ONLY deletion. Experian has 10 days from the tracked receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by Experians willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10-day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken. I look forward to an amicable solution to this matter.

Frequently Asked Questions

What is Complaint #4958038 about?

Complaint #4958038 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 2021-11-29T12:00:00-05:00.

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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