Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6055838
Complaint Overview
Complaint ID: 6055838
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: 11225
Date Received: 2022-10-05T12:00:00-05:00
Date Sent to Company: 2022-10-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : This is a notice that the following account ( s ) notation and or items violate customer and consumer laws. If these errors are not corrected immediately you will be subjugated to penalties described in 15 U.S.C. 1681 n Civil liability for noncompliance. These are the errors that must be corrected immediately to avoid such penalties : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX DAY LATE ; delete late payment notation and update to paid 2 ) XXXX XXXX XXXX COMMENT CURRENT REDEEMED REPOSSESION ; delete current comment 3 ) XXXX XXXX XXXX STATUS Paid, was past due 30 days ; update to Paid satisfactorily My latest EXPERIAN report number XXXX 15 U.S.C XXXX 6802 Obligations with respect to disclosures of personal information ( a ) Notice of requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX XXXX has not provided a notice that complies with 15 U.S.C 6802 ( a ). Also Congress has mentioned consumers right to privacy on many occasions such as in 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers right to privacy. Emphasis added These harmful items were deleted from my report, and then reinserted in violation of 15 U.S.C. 1681 ( 5 ) ( i ) which is another violation of law. Do not delete the XXXX XXXX account referenced above, correct it so it reads as stated in lines 1 and 2. Your company has violated consumer protection laws numerous times in relation to this accounts reporting and has shared this incorrect information with countless companies causing me actual harm. Correct your illegal reporting immediately. In occurrence with well establish consumer protection laws immediately.
Frequently Asked Questions
What is Complaint #6055838 about?
Complaint #6055838 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 2022-10-05T12:00:00-05:00.
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.