Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7162431
Complaint Overview
Complaint ID: 7162431
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: 11412
Date Received: 2023-06-24T12:00:00-05:00
Date Sent to Company: 2023-06-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/ I submitted an account dispute to Experian Credit Reporting Agency through the CFPB portal. The Consumer Credit protection Act, Title VI Consumer Credit Reporting, Section 611 Procedure in case of disputed accuracy ( 84 Stat. 1132 ; 15 U.S.C. 1681i ), clearly states that a consumer reporting agency has no longer than 30 days to complete its reinvestigation. The 60 day timeframe allowed by the CFPB does not apply to credit reporting agencies because by federal law a credit reporting agency has a time limit of 30 days. Before the end of the 30 days Experian Credit Reporting Agency must update the information as instructed by the consumer or delete any unverified, inaccurate, and incomplete information. This dispute was not settled in the allotted timeframe and must be updated as instructed by me in the dispute notice or deleted. Experian responded to my dispute onXX/XX/XXXX which is 60 days, 30 days longer than lawfully allowed. This is a violation of 15 U.S.C. 1681i. When I did finally receive a response on XX/XX/ it noted that the disputed information appearing on my Experian report is accurate and has been verified. In the dispute I requested to receive a copy of the description of the procedure used to determine the accuracy and completeness of the information. As of today XX/XX/ I have not received a description of the reinvestigation procedure. Not delivering a copy of the description I requested is a violation of 15 U.S.C 1681i ( 6 ) ( B ) ( iii ). See attachment
Frequently Asked Questions
What is Complaint #7162431 about?
Complaint #7162431 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 2023-06-24T12:00:00-05:00.
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.