Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6226596
Complaint Overview
Complaint ID: 6226596
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
Guys I highly believe that with all of my efforts of disputing since last year, that Im being willfully violated regarding my credit. I disputed my credit report for all accounts in XX/XX/XXXX after having to apply for a mortgage for my family to have a place to stay. I was being turned around because all of the accounts that are being charged in my name. I requested an investigation and original proof to be sent to me. I got absolutely nothing back. Not only that I decided to send a reinvestigation letter through certified mail on XXXX XXXX to all 3 bureaus and requested specifically that every date, balance, verification of debt, payment history and all be checked thoroughly again. However, there has been no correction only more reportings that arent the same across all 3 bureaus. Im now out of a home with my XXXX children and my wife and have no other option at the moment to get my own place of living. Im have over 13 accounts from the same Creditor : Account Name : XXXX XXXX XXXX Account # XXXX being reported on my credit report. They all show the exact same account number, but completely different Date Open, High Credit, Payment History, Date Last Active, and more. Then theres 3 more accounts with the same account number under XXXX XXXX name, with lots of blank data from all 3 bureaus. XX/XX/XXXX is the oldest account under the names which is already 13 years of age and the oldest account being reported is XX/XX/XXXX which is 7 years of age. Again, its been few attempts to hear back from them. Section 607 ( b ) by FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I saw on the CFPB bulletin for XXXX XXXX that theres a requirement from the FCRA for XXXX to investigate all relevant information regarding a dispute. And there were 5 things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. Ive been mistaken for other XXXX XXXX continuously, but this time it actually cost me housing and denial from banks and damaged credit. Im requesting monetary relief per violation ( and willfull violation ) and for the damages that were caused and money spent trying to fix the same issue multiple times. 15 USC code 1681n ( a ) ( 1 ) ( A ) Also, consumer reporting agencies must Correct or Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. I will attach both proofs of credit reports I pulled from XXXX XXXX ( in color ) and XXXX XXXX ( black and white ink only ) to compare if they thoroughly investigated and corrected anything. I will also list the tracking numbers below for the disputes.
Frequently Asked Questions
What is Complaint #6226596 about?
Complaint #6226596 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.