Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5541413

Complaint Overview

Complaint ID: 5541413

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: 19142

Date Received: 2022-05-04T12:00:00-05:00

Date Sent to Company: 2022-05-04T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I contacted all three Credit Reporting Agencies regarding the inaccurate information they were posting on my Consumer Report. They did not provide me the information requested, physical validation of the late payment on my XXXX XXXX account, as well as XXXX XXXX. In accordance with 15 USC 1681i, the procedure in the case of disputed accuracy, the account/negative information should be removed off of my consumer credit report within 5 days of receiving the dispute, pending the outcome of the re-investigation. This was not done, which backs my argument that the Credit Reporting Agencies never investigate my claims from the first dispute letter I sent. In addition, pursuant to 15 USC 1666b, there is no such thing as a late payment, so how is it that they are reporting something to my credit that the Federal Law said does not exists, that is fraud. Pursuant to 1692g, I am supposed to notified 5 days before anything is added to my credit report, that was not done either. These are just a few of the violations that the agencies committed against me..

Frequently Asked Questions

What is Complaint #5541413 about?

Complaint #5541413 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 2022-05-04T12:00:00-05:00.

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.

Related Pages