Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5615406

Complaint Overview

Complaint ID: 5615406

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: Problem with personal statement of dispute

State: Massachusetts

ZIP Code: 02215

Date Received: 2022-05-29T12:00:00-05:00

Date Sent to Company: 2022-05-29T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX bought an auto debt from XXXX XXXX. Despite at least three ( 3 ) challenges to the debt as reported, in excess of {$20000.00} it is reported, and for a product that I do not have and have not had that dates back at latest to XXXX in going late, XXXX XXXX XXXX continues to report as though the original debt, for an automobile, is recent, as in XXXX or XXXX and as a result, it is forever/never falling off my credit reports to Experian, XXXX, and XXXX. The vehicle was repossessed. I have asked the credit reporting agencies have XXXX XXXX produce the orginal note/debt as proof when contacting the credit reporting agencies to challenge information inaccuracy, particularly the dates on my report and the amount of the debt, especially since the personal property was recovered and resold, but nevertheless, every time I dispute, the credit reporting comes back that the debt is verifiable. It is frustrating, it is wrong, and it is adversely impacting my credit score, and it has been doing so for years. I know the debt as listed is untrue based on amount and based on credit age. I know this to be untrue, because I know when I did original auto loans and when things went wrong. One was in XXXX and the other was in XXXX. Pursuant to the Federal Credit Reporting Act, debt falls off after 7 years, generally. I have not been in touch with anyone from XXXX XXXX directly, and I do not intend to be. However, I have disputed this through the credit reporting agencies on at least 3 occasions. It is not right that the credit reporting agencies work in concern with this company to wrong consumers by keeping inaccurate information on credit reports and adversely impacting lives. I want XXXX XXXX 's listed debt removed from my report, and I do not wish to be in touch with them.

Frequently Asked Questions

What is Complaint #5615406 about?

Complaint #5615406 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 2022-05-29T12:00:00-05:00.

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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