Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7059518

Complaint Overview

Complaint ID: 7059518

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: Difficulty submitting a dispute or getting information about a dispute over the phone

State: North Carolina

ZIP Code: 27613

Date Received: 2023-06-01T12:00:00-05:00

Date Sent to Company: 2023-06-01T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

In XX/XX/XXXX, initiated settlement on a equity loan account ( House in lien for this account was foreclosed on XXXX ) with XXXX XXXX thru XXXX loss and mitigation ( LM ). As of XX/XX/XXXX, all application and documents were filed. It was confirmed by LM and confirmed that the account will be stopped and closed. As of XX/XX/XXXX, settlement offer was received from XXXX. All payment was made as of XX/XX/XXXX and on XX/XX/XXXX, received official letter from bank on receipt of payment and settlement in full with bank ( document available ). However, on my credit report from all three credit bureaus were showing as from XXXX XXXX to XXXX. XXXX as " Late PaymenXXXX '' and from XXXX to XX/XX/XXXX as " Charge Off ''. I tried first to talk to bank on this wrong credit report, but they would just keep transferring me to different departments, not willing to work with me. Then, I filed dispute this first thru XXXX and XXXX corrected all these incorrect information after reviewing my dispute and filed documents. Afterwards, I filed dispute with Experian, but Experian agent is saying even though all information is clearly showing it was incorrect, they need to keep it because that is what the bank says it is. I haven't received any results from XXXX, yet.

Frequently Asked Questions

What is Complaint #7059518 about?

Complaint #7059518 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 2023-06-01T12:00:00-05:00.

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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