Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5242390

Complaint Overview

Complaint ID: 5242390

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: New Mexico

ZIP Code: 871XX

Date Received: 2022-02-20T12:00:00-05:00

Date Sent to Company: 2022-02-20T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Time and time again, I have sent written complaints to Experian only to receive a " we didn't get information about " what '' you're complaining about. I have several items on my account that are far past the statute of limitations for California AND New Mexico. 1. XXXX XXXX XXXXXXXX Mortgage account. Statute is four ( 4 ) years. This account ended in XXXX. Experian refuses to remove. 2. XXXX XXXX XXXX loan. Statute is four ( 4 ) years. This account ended in XXXX. Experian refuses to remove. 3. XXXX XXXX credit card. Statue is four ( 4 ) years. This account ended in XXXX. XXXX XXXX demanded payment to remove account. Instead, Experian and XXXX XXXX colluded to reset date and refuse to remove. Experian will most likely respond by saying I have not provided information, yet I have records of letters sent from XXXX to present, with signatures of receipt. Experian routinely drops my score by over 20 points every time I pay my accounts off monthly. They now list me as " fair '' when all other reporting agencies show me as " very good ''. They rarely inch my score up by XXXX or XXXX points while routinely dropping my score by double digits, followed by a " join our Boost Program '' email, which is a false method of raising your credit score. Experian MUST resolve these discrepancies on my account immediately by removing these statute passing accounts and stop colluding with XXXX XXXX.

Frequently Asked Questions

What is Complaint #5242390 about?

Complaint #5242390 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 2022-02-20T12:00:00-05:00.

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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