Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6481814

Complaint Overview

Complaint ID: 6481814

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: Investigation took more than 30 days

State: California

ZIP Code: 92865

Date Received: 2023-01-24T12:00:00-05:00

Date Sent to Company: 2023-01-24T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To Whom This May Concern, A 90-day late payment was filed against me last week from XXXX XXXX that I did not recognize, I had done some research and it turned out that XXXX XXXX had sold my loan to XXXX XXXX ( ALSO KNOWN AS XXXX XXXX XXXX. I had reached out to XXXX XXXX, and they stated that my loan was in fact sold to XXXX XXXX back in XXXX and I should have received a notice from XXXX XXXX also and provided me with XXXX XXXX account number. I had reached out to XXXX XXXX on XX/XX/2023 and they acknowledged that they had both the incorrect contact number and incorrect address on profile. - The representative from XXXX XXXX had acknowledged that the mailing address on profile is not a valid address, the zip code only had four digits, the mailing address shown on their profile which they claimed is what they received from XXXX XXXX is XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXhe correct city should be just XXXX, and the correct zip code should be XXXX. - The representative from XXXX XXXX had acknowledged that their account had the incorrect contact phone number as XXXX which is not my contact number. - The representative from XXXX XXXX had confirmed the error that they would file the dispute from their end to all three credit bureaus and I should be receiving the results in 7-10 business days. I have not yet received an update on the dispute result. - The autopay Ive setup with XXXX XXXX was never carried over to XXXX XXXX which results in the late payment and since XXXX had the incorrect contact and mailing address I was never notified. - No email/letter/phone call was made from XXXX XXXX regarding the selling of the loan to XXXX XXXX - No email/letter/phone call was attempted by XXXX XXXX regarding the purchasing of the loan from XXXX XXXX. - I have not yet received any letters from any of the three credit bureaus and would like to also file the dispute myself because this negative impact has brought my credit score from XXXX down to XXXX. - I have filed a dispute with Experian and the result just came back as of XX/XX/2023, the status shows the account is updated but still with a 90 days past due balance and nothing was fixed, my credit score is still at XXXX. - All three credit bureaus should have the 90 days past due from XXXX XXXX XXXX removed and my credit score should be back to XXXX points. - Experian still shows my balance with XXXX XXXX. with 90 days balance of {$5.00}, XXXX past due as of XX/XX/2023. This should be {$0.00} balance as of XX/XX/2023. Best Regards, XXXX XXXX XXXX XXXX

Frequently Asked Questions

What is Complaint #6481814 about?

Complaint #6481814 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 2023-01-24T12:00:00-05:00.

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.

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