Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6225144
Complaint Overview
Complaint ID: 6225144
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: Nevada
ZIP Code: 89119
Date Received: 2022-11-20T12:00:00-05:00
Date Sent to Company: 2022-11-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello. This account XXXX XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all XXXX bureaus. The bill has been paid by due date every month since he's gotten it. But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because Experian has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. I am aware that all XXXX bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian )
Frequently Asked Questions
What is Complaint #6225144 about?
Complaint #6225144 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 2022-11-20T12:00:00-05:00.
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.