Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5215391
Complaint Overview
Complaint ID: 5215391
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: Problem with personal statement of dispute
State: Florida
ZIP Code: 33426
Date Received: 2022-02-12T12:00:00-05:00
Date Sent to Company: 2022-02-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2019 at XXXX am I reported the Fraudulent use of my personal Identification and information to the XXXX XXXX Police Department. XXXX XXXX ( XXXX ) completed the report and XXXX XXXX ( XXXX ) approved the report. At the time of the report I was being harassed online by someone who was changing all of my username and passwords to bank accounts, XXXX, XXXX, XXXX XXXX, XXXX website builder accounts, my email address and my XXXX account. The thief started to text me with demands for me to complete in order for him to stop. I checked my credit and notice several accounts that I did not apply for and noticed a different social security number attached to my XXXX, and Experian report. The accounts in question that still remain to be an issue are XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. I filled out the FTC report number XXXX and sent a copy to Experian, XXXX, and XXXX. XXXX promptly responded to the fraud and removed the accounts in question. This complaint is against XXXX and Experian. For the past 3 years I have been submitting dispute after dispute to Experian and XXXX concerning XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. These disputes on the XXXX side keep coming back with the comments as " AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT. The dispute was for fraud and some how they keep trying to verify a debt which is not the disputed part of the claim. Apparently a computer is doing all of the work and no one is paying in attention for the past three years. I recently furthered my investigation into these accounts and found multiple reporting errors. XXXX reported the debt as first being delinquent on XX/XX/2019 and on XXXX of 2019. They also report the account as having an available credit of $ XXXX. How can a closed charge off account report as available credit on any report. No accurate responses to my disputes from Experian or XXXX. Instead I just keep getting generic computer generated responses.
Frequently Asked Questions
What is Complaint #5215391 about?
Complaint #5215391 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 2022-02-12T12:00:00-05:00.
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.