Credit reporting, credit repair services, or other personal consumer reports -- Unable to get your credit report or credit score -- Complaint #5624214
Complaint Overview
Complaint ID: 5624214
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-Issue: Other problem getting your report or credit score
State: Illinois
ZIP Code: 629XX
Date Received: 2022-06-01T12:00:00-05:00
Date Sent to Company: 2022-06-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022 I called and requested that Experian send me a copy of my Consumer file. I was notified by an agent named XXXX that the credit report and credit file are one in the same. I explained using legal terms, that information is incorrect. I made it explicitly clear that I was NOT requesting another copy of my Consumer Report, as I already have such. I also explained in legal terms, the difference between a credit file and Consumer report. After having dialogue for a brief moment, XXXX then informed me that he would send my credit file to my current address on file. He gave me the reference number also, which is XXXX. On XX/XX/2022, I received a copy of my most recent Credit Report, which is CLEARLY not what I requested. 15 USC 1681g directly indicates how as the Consumer, I have the right to be disclosed to my Consumer file. It was also made very clear by Congress, what a credit file is, and it is not the same as the Consumer report. A credit file by legal definition means all of the information on a Consumer that is stored and retained by a CRA regardless of how information is stored. Whereas, the report is just a detailed written account of a Consumer 's credit history using financial info collected from creditors. I am filing a complaint for their negligence to adhere to my federally protected rights as a Consumer. I look forward to this issue being rectified by Experian as soon as possible.
Frequently Asked Questions
What is Complaint #5624214 about?
Complaint #5624214 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Unable to get your credit report or credit score. It was received by the CFPB on 2022-06-01T12:00:00-05:00.
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.