Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5942157
Complaint Overview
Complaint ID: 5942157
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: Investigation took more than 30 days
State: Florida
ZIP Code: 33024
Date Received: 2022-09-01T12:00:00-05:00
Date Sent to Company: 2022-09-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Based on my last two complaints filed XXXX & XXXX ; it has been over 30 days and I have not recieved a response from Experian yet. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Just from this along ... Since I DID NOT get any type of correspondence within the last 30 days that is a violation by itself. Furthermore, it was stated that the items on my credit report were verified. According to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. How were the items on my credit report verified? And with whom? Where is the documentation? This in itself is another violation because a proper investigation was not conducted. And I HAVE NOT recieved any such evidence of a proper investigation being conducted. Therefore, these are the questionable items I want removed : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX US DEPT ED : XXXX US DEPT ED : XXXX XXXX XXXX XXXX DPT EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Next, I did not give written consent to Experian to furnish this information. According to 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Thus another violation. With these three laws, it is clear Experian is not looking out for me as the consumer and they are only doing what they want for their own benefit. And within three different laws, I have documented proof of violations by Experian. I am the consumer, I find this unfair, unjust, and it is imparing me from being able to take the next step in my life and buy a house due to the poor behavior they are inhibiting. I do also know that the reporting agencies must report information accurately. I attached my most recent credit report, and I am seeing multiple discrepancies amongst the bureaus, regarding the information being reported. Again another violation. Lastly, along with the previous complaints filed with the CFPB, I am also including Tracking numbers I have sent to Experian trying to amicably resolve this issue due to THEIR NEGLIENCE and LACK OF CONCERN for the consumer. Tracking # XXXX : XXXX & Tracking # XXXX : XXXX. With everything I have just provided I also know that I am within my lawful right to seek compensation for all of these violations as well. I feel I have given Experian several opportunities to correct their behavior.
Frequently Asked Questions
What is Complaint #5942157 about?
Complaint #5942157 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 2022-09-01T12:00:00-05:00.
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.