Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6837716
Complaint Overview
Complaint ID: 6837716
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: Texas
ZIP Code: 750XX
Date Received: 2023-04-13T12:00:00-05:00
Date Sent to Company: 2023-04-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Why have you sent me a statement that the creditors have verified my accounts? You've failed to send me any documentation that verifies this and I've also called and was told that there was never an investigation. Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request. It has been well over 15 days which means that you are in violation of the FCRA. To avoid further action, please forward to me a description of the procedure taken in order to determine the accuracy of these accounts, including but limited to, the name of the creditor, along with their address and phone number. Also, I want to know who you spoke with and on what date. Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account XXXX XXXX XXXX is incorrect and the late payment in XX/XX/ should be deleted because I was never late.
Frequently Asked Questions
What is Complaint #6837716 about?
Complaint #6837716 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 2023-04-13T12:00:00-05:00.
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.