Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5649918
Complaint Overview
Complaint ID: 5649918
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: New York
ZIP Code: XXXXX
Date Received: 2022-06-08T12:00:00-05:00
Date Sent to Company: 2022-06-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have placed disputes on three separate occasions, each returning as verified correct. Federal law code 15 US code 1679c allows me to dispute inaccurate data which also pertains to rights as a consumer I am allowed to view HOW they verified such information. Using e-oscar at times proves not to work. By law information supplied to credit agencies must provide accurate and true documents with my signature showing validity of debt. I have asked twice for how these were verified with the question for validation proof that has been left ignored. My issue is with the following accounts : 1. XXXX XXXX XXXX reports XXXX in payment history with last payment made XX/XX/XXXX ; XXXX reports this account had 1 late in XX/XX/XXXX, with last payment made on XX/XX/XXXX ; while experian reports 7 lates and last payment in XX/XX/XXXX. 2. XXXX XXXX XXXX reports XXXX in payment history with last payment XX/XX/XXXX ; XXXX reports 100 % on time with last payment XX/XX/XXXX and experian reports 6 lates with last payment XX/XX/XXXX. 3. XXXX XXXX XXXX XXXX reports XX/XX/XXXX as last payment with no lates ; XXXX shows XXXX lates but only one 120 late ( XXXX ) with last payment on XX/XX/XXXX while experian reports c/o every month last two years with no 1st delinquency date. 4. XXXX XXXX XXXX reports no lates with last payment XX/XX/XXXX, XXXX shows 4 lates despite also showing XXXX with last payment XX/XX/XXXX and experian shows XXXX CO dating back to XX/XX/XXXX. These XXXX accounts quite obviously were NOT investigated as requested being each of the three bureaus report different information. Due to this I have the rights to have all 4 immediately removed from my reports. Attached is proof of what I am claiming. Please note despite these showing experian as address too, each company had their own same letter addressed to them.
Frequently Asked Questions
What is Complaint #5649918 about?
Complaint #5649918 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 2022-06-08T12:00:00-05:00.
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.