Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6635522

Complaint Overview

Complaint ID: 6635522

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: 941XX

Date Received: 2023-03-01T12:00:00-05:00

Date Sent to Company: 2023-03-01T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information on my credit report regarding the following accounts : XXXX XXXX XXXX Late Payment Account XXXX XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXXXXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX Collection Account XXXXXXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these accounts contain inaccurate information and are damaging my creditworthiness. The following laws support my dispute : The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccurate information on my credit report. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate information. The Consumer Financial Protection Bureau ( CFPB ) enforces federal consumer financial laws and protects consumers from unfair, deceptive, or abusive practices. I request that you investigate these accounts and remove any inaccurate information from my credit report. Please provide me with a written explanation of your findings and actions taken within 30 days of receipt of this letter, as required by the FCRA. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Frequently Asked Questions

What is Complaint #6635522 about?

Complaint #6635522 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 2023-03-01T12:00:00-05:00.

How did Experian Information Solutions INC. respond to this complaint?

The company responded with: "Closed with non-monetary relief". 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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