Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5601297
Complaint Overview
Complaint ID: 5601297
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: 77082
Date Received: 2022-05-25T12:00:00-05:00
Date Sent to Company: 2022-05-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/22, I received email correspondence, from Experian, stating that their investigation into my consumer dispute was completed. Per Experian 's correspondence, they state that their " role in the dispute process is to review the accuracy and completeness of any disputed item. '' According to Experian 's written notification, they did not do this. On XX/XX/22, I looked at the results provided by Experian and I immediately called Experian customer service to find out why my credit report " still '' contains inaccurate information, after I, the consumer, told them the information was in fact in accurate and I supplied proof of inaccurate reporting via paid receipts. The agent on the phone ( XXXX ) was extremely rude as I explained that I have already submitted a dispute regarding 2 accounts that were inaccurately reporting. I asked to speak with a supervisor however XXXX threatened to release our call several times until I explained that continuing to report these inaccuracies on my consumer report is illegal, pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and it states " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate. The way I was treated was unacceptable. I was harassed and I felt threatened. The information that I submitted should have " modified '' the 2 accounts that are currently inaccurately reporting, " and '' I should not feel as though I can't trust Experian with my personal and private information. I feel that my privacy is being violated and unprotected as a consumer. I am submitting my complaint, and documented proof for a correction to my consumer report. If not, I am prepared to take further action, as this is clearly breaking the law.
Frequently Asked Questions
What is Complaint #5601297 about?
Complaint #5601297 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 2022-05-25T12:00:00-05:00.
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.