Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5924038

Complaint Overview

Complaint ID: 5924038

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: Connecticut

ZIP Code: 065XX

Date Received: 2022-08-28T12:00:00-05:00

Date Sent to Company: 2022-08-28T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I have acquired US SSN number in XXXXXXXX XXXX and following that, I contacted the credit bureau-s ( Experian, XXXX and XXXX ) to update my file with my SSN number in place instead of the previous TIN number, under which I was registered with these agencies. My address and personal details otherwise have not changed. I have got a considerable ( over 6+ years ) of credit history with XXXX XXXX and XXXX XXXX XXXX whom have updated my SSN number accordingly in their files, and has started to send my credit history to all the credit bureau-s according to their associates. However, up until today Experian still has not recorded any information in my credit reports from XXXX XXXX , even though that those lenders confirmed to me at least two times during my calls with their customer service representatives that they have been sharing all such information with the credit bureaus. They even sent a so-called " manual pull '' of my credit history to Experian to make sure that this is reflected in my credit report. I have sent three ( 3 ) letters to Experian to investigate this issue, and properly update my credit file with those information from the lenders above. 1, In the first time, they did not even send me a reply 2, the second time i sent a new letter dated on XX/XX/2022, for which they failed to comprehend the issue at all in their reply, as their response was immaterial to the issue that I had raised 3, the third time I sent another letter on XX/XX/2022, for which they responded they did not have enough information to honor my request even though that my personal information is stored under my Experian ID which was in the letter This whole situation is a disgrace, considering that the other 2 credit bureaus XXXX XXXX XXXX has got no problem updating my records properly. As of now, I have no FICO score since due to the thin credit report from Experian. Because of this I was denied for loans on multiple occasion due to " inadequate '' credit history.

Frequently Asked Questions

What is Complaint #5924038 about?

Complaint #5924038 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 2022-08-28T12:00:00-05:00.

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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