Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5265924

Complaint Overview

Complaint ID: 5265924

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: Armed Forces Pacific

ZIP Code: XXXXX

Date Received: 2022-02-27T12:00:00-05:00

Date Sent to Company: 2022-02-27T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Servicemember

Consumer Narrative

In Reply to : Response of EXPERIAN Inc. Credit Reporting Agency of : XXXXMEMORANDUM FOR : CONSUMER FINANCIALPROTECTION BUREAU SUBJECT : EXPERIAN Inc. and its member/Agent XXXX XXXX XXXX ( The Company ) CONTINUED KNOWINGVIOLATION OF THE FAIR CREDIT REPORTING ACT Re : CFPB Complaint # : XXXX Submitted to the CFPB on : XXXXTHISIS A TIMELY FILED COMPLAINANT RESPONSE TO THE EXPERIAN XX/XX/2022 REPLY TO CFPBDear CFPB, on XX/XX/2022, I, a service member filed an FCRA Volition complaint with CFPB, regarding EXPERIAN Inc. a Consumer credit reporting agency and its member XXXX XXXX XXXX XXXX XXXX reporting of false DECEASED inaccurate information on my EXPERIAN Credit File , VIOLATION OF Title VI of the Consumer Credit Protection Act ). Experian IncXXXX and XXXX XXXX XXXX XXXX, are both Subject to the Federal, Fair Credit Reporting Act ( FCRA ) .On XX/XX/2022 EXPERIAN filed a response to CFPB and Service Member that stated in pertinent part,..... [ DESCRIPTION OF NON-MONETARY RELIEF According to our records, an indication of being deceased does not appear on your Experian credit report at this time. ] THIS IS FALSE. After having allotted sufficient time following EXPERIANs XX/XX/2022 to elapsed of approximately26 days to be exact. Service members upon review of my most recent EXPERIAN Credit Report # : XXXX reveal that, AS OF THIS WRITING XXXX XXXX ( XX/XX/2022 ) EXPERIAN INC AND ITS MEMBER/AGENT XXXX XXXX XXXX XXXX KNOWINGLY CONTINUE TO REPORT FALSE DECEASED INACCURATE INFORMATION ONSERVICE MEMBERS EXPERIAN CONSUMER CREDIT FILE.. my multiple request to EXPERIAL and its member XXXX XXXX have gone an resolved , that resulted in negative impact on my Consumer Credit Score to XXXX CREDIT score , caused me to suffer serious financial hardship, suffer deprivation of federal relief in the meaning established and defined by the U.S. Congress under Title 15 United States Code 1681 ( a ) and ( b ), in direct violation of the Fair Credit Reporting Act and violation of Title VI of the Consumer Credit Protection Act, all in violation of Title 18 United States Code249, and infringed the jurisdiction of the Consumer Financial protection Bureau. Irreparable harm.Under the Consumer Financial Protection Bureau Act, the CFPB has jurisdiction to fine EXPERIAN and its member XXXX XXXX for their continued violations of the act.

Frequently Asked Questions

What is Complaint #5265924 about?

Complaint #5265924 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 2022-02-27T12:00:00-05:00.

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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