Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5617556

Complaint Overview

Complaint ID: 5617556

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: 191XX

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

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

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I've sent a letters to XXXX, XXXX and Experian disputing the accuracy of the account on my credit report and they cam back verified. I find it hard to believe that these account are investigated properly and the way they are suppose to. I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. I demand you investigate these accounts using legal procedures that ensure maximum accuracy. I Do Not want a " Parroting '' response based on your dispute codes and automated systems. I request that you send me your method of verification of the inaccurate accounts you claim to have verified. We both know that if I requested you PROVE you actually conducted an investigation as is required by law and by requesting that you send me the documents you have in your files that you used to verify the disputed accounts you would not be able to do so, which means that you have NOT verified or you can not verify any of these accounts and under the FCRA you are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX account account # XXXX account date of last active is incorrect and still showing open.. XXXX XXXX XXXX account # XXXX account date of last active is incorrect and still showing open.. XXXX XXXX account # XXXX account date of last active is incorrect and still showing open.. The Credit Bureaus also violated my right by adding these accounts to my credit report without my written authorization and violated my right to privacy, According to the consumer law of the FCRA 15U.S.C code 1681b I have a right to privacy and nothing can be put on my credit report with out my written permission... Below are the attachments to prove there was no real investigation done but only e- ocar investigation and that not gon na cut it...

Frequently Asked Questions

What is Complaint #5617556 about?

Complaint #5617556 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 2022-05-27T12:00:00-05:00.

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.

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