Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6599981
Complaint Overview
Complaint ID: 6599981
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: New York
ZIP Code: 10950
Date Received: 2023-02-21T12:00:00-05:00
Date Sent to Company: 2023-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I would like to dispute the following accounts : 1. XXXX XXXXXXXX Bankruptcy XXXX 2. XXXX XXXXXXXX Bankruptcy XXXX 3. Bankruptcy XXXX XXXX XXXX 4. Bankruptcy XXXX XXXX XXXX 5. Bankruptcy : Dismissed XXXX XXXX 6. Bankruptcy : Dismissed XXXX XXXX 7. XXXXXXXX XXXX XXXX late payment account 8. XXXXXXXX XXXX XXXX charge off account 9. XXXX XXXX charge off account 10. XXXX XXXX XXXX XXXX XXXX charge off account 11. XXXX XXXX XXXX XXXX charge off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been incorrectly reported as XXXX XXXX instead of XXXX XXXX, which is a violation of the FCRA. The bankruptcy accounts have also been reported as dismissed, which is inaccurate as they were successfully discharged. This is a violation of the FCRA. The late payment account for XXXXXXXX XXXX XXXX is inaccurate and should be removed from my credit report. The charge-off accounts for XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX contain errors and should be investigated for inaccuracies. These items may be a violation of the FCRA, FDCPA, TILA, and/or RESPA. I am requesting that these items be removed from my credit report or corrected to reflect the accurate information. Please provide me with written documentation of your investigation and any actions taken to resolve these disputes. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #6599981 about?
Complaint #6599981 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 2023-02-21T12:00:00-05:00.
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.