Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4961316

Complaint Overview

Complaint ID: 4961316

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: Pennsylvania

ZIP Code: 152XX

Date Received: 2021-11-30T12:00:00-05:00

Date Sent to Company: 2021-11-30T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

This is an issue with my Experian credit report not reflecting my mortgage or Heloc loans. XX/XX/XXXX - Notified via my Experian app that my score dropped XXXX points ; looked at my report and saw that neither my primary mortgage or my Heloc were reporting from XXXX XXXX XXXX ( XXXX ) as usual ; sent an email to XXXX inquiring about this issue XX/XX/XXXX - received email from XXXX that mortgages are in good standing and have been reported ; told to use the credit section of my XXXX app to sign up for credit reporting through " XXXX XXXX '', of which I did not do this since they are not one of the top XXXX credit bureaus ; filed a dispute with Experian ( XXXX ), also filed a dispute with XXXX ( XXXX ) ( No response at all from either company ). XX/XX/XXXX - called Experian again and told by Experian that XXXX is not reporting ; that Experian can not assist me ; dispute was useless XX/XX/XXXX - sent email to Experian customer service that they are in violation of the Fair Credit Reporting Act due to their unwillingness to correct inaccurate information XX/XX/XXXX - told by XXXX mortgage representative ( XXXX ) that Experian refuses to report ; told this is affecting all XXXX customers yet the XXXX mortgage services department will not release anything in writing to it's customers and said their legal department is " aware of the issue '' yet no notices were sent XX/XX/XXXX - called Experian again and was told that " what is showing is reflecting what XXXX is reporting '', yet the other XXXX reporting agencies of XXXX and XXXX are both showing my XXXX loans ; Experian refused to assist and refused to file a new dispute. XX/XX/XXXX evening- received a call from XXXX mortgage department ( XXXX ) stating they had just received an email that Experian 's reporting should be " turned back on '' by XXXX, XXXX XXXX. Both companies are in grid-lock saying it's the other one 's fault. Neither have fixed my report and both have failed to notify customers or respond to disputes for XXXX weeks. I have documented this in writing to both companies. Someone is not telling me the truth.

Frequently Asked Questions

What is Complaint #4961316 about?

Complaint #4961316 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 2021-11-30T12:00:00-05:00.

How did Experian Information Solutions INC. respond to this complaint?

The company responded with: "Closed with non-monetary relief". 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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