Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5642792
Complaint Overview
Complaint ID: 5642792
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: Georgia
ZIP Code: 30281
Date Received: 2022-06-07T12:00:00-05:00
Date Sent to Company: 2022-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Per Experian 's latest response to complaint # XXXX, Experian reported that XXXX XXXX is currently the mortgagee of the loan account in concern. XXXX XXXX responded in a phone call that it purchased the loan [ in question ] on XX/XX/2004, although it did not become the mortgagee. Neither XXXX XXXX or the credit union will provide me written details on the sale of my note and loan to XXXX XXXX The credit union provided a written statement confirming only that the loan was sold to XXXX XXXX. The credit union, thus far, has refused to sign the letter it sent to me. It appears, then, that the credit bureaus ended their investigations on a false premise about XXXX XXXX XXXX current role. What law [ under Georgia laws ] gives the initial mortgage lender ( or any servicer ) the right to : 1 ) dishonor and ignore my request for it to discontinue reporting monthly billing amounts [ regarding the old/outdated loan that has not been updated to show a current [ legal ] mortgagee ] ; 2 ) continue to report the false [ fraudulent ] loan information on the flood certificates ; and, 3 ) refuse to correct false information about the current loan status? Based on my understanding, Experian must provide a resolution that is compliant with all relevant laws, especially Georgia laws, that are specific to the situation currently at hand.
Frequently Asked Questions
What is Complaint #5642792 about?
Complaint #5642792 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 2022-06-07T12:00:00-05:00.
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.