Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6198712
Complaint Overview
Complaint ID: 6198712
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: Tennessee
ZIP Code: 38114
Date Received: 2022-11-13T12:00:00-05:00
Date Sent to Company: 2022-11-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated and DELETED. LET 'S READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) 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. YOU HAVEN'T CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PROOF IN COURT. In addition,, you allowed the furnishers to break the FCRA law under Section 623 ( a ) which states prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. Please investigate these items and DELETE. XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. XXXX. XXXX XXXX XXXX XXXX # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. XXXX. XXXXXXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. XXXX. XXXXXXXX XXXX # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy.
Frequently Asked Questions
What is Complaint #6198712 about?
Complaint #6198712 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 2022-11-13T12:00:00-05:00.
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.