Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6725257
Complaint Overview
Complaint ID: 6725257
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: Illinois
ZIP Code: 60605
Date Received: 2023-03-20T12:00:00-05:00
Date Sent to Company: 2023-03-20T12:00:00-05:00
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 XXXX XXXX XXXX XXXX Illinois 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 negatively impacting my credit score, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the following accounts and inquiries are questionable or unauthorized, and I request that they be clarified or removed immediately : Lending Club Corp, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. XXXX XXXX XXXXXXXX, Account Number : XXXX - I have no recollection of this account and believe it to be frivolous, which may be in violation of FCRA. Under FCRA, I have the right to request that fraudulent or unauthorized accounts be removed from my credit report. XXXX XXXX, Date of Inquiry : XX/XX/XXXX - I did not authorize this credit pull and demand that it be removed from my credit report, which may be in violation of FCRA. Under FCRA, I have the right to request that unauthorized inquiries be removed from my credit report. XXXXXXXX XXXX, Account Number : XXXX - I do not recall ever being associated with this unfamiliar company and question how this account is being continuously verified, which may be in violation of FCRA. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. I request that you investigate these items and provide me with a written response detailing the actions taken to resolve these disputes within the time frame set forth by FCRA. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #6725257 about?
Complaint #6725257 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 2023-03-20T12:00:00-05:00.
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.