Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6335365
Complaint Overview
Complaint ID: 6335365
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: Michigan
ZIP Code: 48103
Date Received: 2022-12-18T12:00:00-05:00
Date Sent to Company: 2022-12-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The letter on pages 5 and 6 of the attached documents highlight a series of billing errors and federal law violations that took place as explained to and summarized by XXXX XXXX collection agent. XXXX XXXX had been denying me access to paper and electronic statements since XX/XX/XXXX. On page 5 the " Validation of Account Information '' table clearly states the account was allegedly palced for collection beginning XXXX XX/XX/XXXX, but was returned to XXXX XXXX on or around XXXX XX/XX/XXXX with effective date XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, page 3 of the enclosed documents, XXXX XXXX alleges the account was charged-off on or around XXXX XX/XX/XXXX. However, it was still with XXXX XXXX ' collection agent as of that date ( per page 6 ). Now, Since XX/XX/XXXX I have observed three ( 3 ) periods during which XXXX did not bill yet reported delinquency status to the consumer reporting agencies, advancing the delinquency by thirty ( 30 ) days coincident with the end of billing cycles : XX/XX/XXXX thru XX/XX/XXXX, XX/XX/XXXX thru XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX claims the inaccuracy of the reporting has been due to my billing error disputes, for which the first billing error issues were raised in XX/XX/XXXX with XXXX XXXX and their collections agent, and with their new collections agent on or around XXXX XX/XX/XXXX ( see p. 7 -9 ). XXXX XXXX has never been able to reconcile my account, yet they have continued to supply false/misleading/inaccurate/unverifiable information to the CRAs that has been disputed every few months and then has to allegedly be " reconciled ''. Pages 9 through 18 provide an example of one such set of reconciliation which caused the month of XX/XX/XXXX to flip between paid as agreed and 120 days past-due, with an annotation for the prior period only alleged to be thirty ( 30 ) days past-due. I have received zero ( 0 ) statements from XXXX XXXX since XX/XX/XXXX. At resent XXXX XXXX is claiming there is an alleged ninety-seven ( XXXX ) dollar amount past-due for the month of XX/XX/XXXX. Yet XXXX XXXX made clear to me on XXXX XX/XX/XXXX that " Because of the age of your debt, we can not report it to a consumer reportin agency. Paymen or non-payment of this debt will not affect your credit score '' ( see p. 2 ). It is clear that XXXX XXXX is unable to reconcile my accounts. The fact that XXXX XXXX acknowledged reconciliation needed to take place on multiple occasions is a clear indication that they have been unsuccessful, and incapable, of reconciling my account information to report accurate information to the CRAs. After over a year of attempts to reconcile my account, XXXX XXXX knows, or should know, the information they are supplying to the CRAs is inaccurate/unverifiable/misleading. As such, I am asking the account/tradeline to be completely removed from my credit files.
Frequently Asked Questions
What is Complaint #6335365 about?
Complaint #6335365 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 2022-12-18T12:00:00-05:00.
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.