Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5003587
Complaint Overview
Complaint ID: 5003587
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: Illinois
ZIP Code: 60803
Date Received: 2021-12-13T12:00:00-05:00
Date Sent to Company: 2021-12-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently submitted a complaint about my 7 late payments from XXXX XXXX. They took off 4 of my 7 late payments, not all 7 because they said that the time I reached out was not in Credit acceptances timely manner, even tho when I did reach out they assured me that they would report NO late payments but still reported 7. I now still have these 3 lates that is still hurting my XXXX XXXX and completely stopping me from obtaining a mortgage loan. Section 4021 of the CARES Act, Credit Protections During COVID-19, temporarily amends Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). Under this temporary amendment, an institution that makes an accommodation for one or more payments on a consumer credit obligation must report the obligation or account as current. This Act was signed in XXXX of 2020 and is effective u til the end of the Covid-19 pandemic. My remaining 3 late payments are from XXXX 2020-XXXX 2020 which meets the time frame criteria in the cares act. I am asking that credit acceptance please remove those lates as they are the only creditor reporting late payments on my credit profile, hurting any chance of my obtaining new lines of credit.
Frequently Asked Questions
What is Complaint #5003587 about?
Complaint #5003587 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 2021-12-13T12:00:00-05:00.
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.