Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5585091
Complaint Overview
Complaint ID: 5585091
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: Texas
ZIP Code: 75119
Date Received: 2022-05-20T12:00:00-05:00
Date Sent to Company: 2022-05-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The Consumer Reporting agencies Failed to do a Proper investigation. You Recently verified XXXX XXXX XXXX XXXX ( XXXX ) account number XXXX as 100 percent Verified Accurate. With all the errors on my report its not possible a investigation was done. 15 usc 1681i I've also seen on my credit report inconsistent information among the three different Credit Reporting Agencies. Experian XX/XX/2022 reported 90 Days Late, XXXX reported nothing, and XXXX nothing because the account was Removed. How can you be 90 Days Late XX/XX/2022 Experian without prior being 30 Days Late and 60 Days Late. It is impossible. This is inconsistent and incomplete. One of the most important is the " Last Activity '' so we as consumers know when a account reaches 7 years. Its impossible to Trust the CRA 's when XXXX or Experian does not report a " Last Activity '' and XXXX deleted the Entire account. Again how am I to trust XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, and Experian to act in good faith? Please remove because the " High Balance '' is reporting three different amounts. There is no way this account was properly verified Accurate if XXXX reported " {$25000.00} '' and Experian reported " XXXX '' and XXXX Removed account. The Payment History is Incomplete rating with Years of positive payment history missing. Experian has changed the " CO '' date to XX/XX/2022 and XXXX reported " XXXX '' 15 USC 1681a 2 ( B )
Frequently Asked Questions
What is Complaint #5585091 about?
Complaint #5585091 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 2022-05-20T12:00:00-05:00.
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.