Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7210461
Complaint Overview
Complaint ID: 7210461
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: 76067
Date Received: 2023-07-05T12:00:00-05:00
Date Sent to Company: 2023-07-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dispute was filed with credit reporting agencies on XX/XX/2023 for incorrect 30-day past due reporting for XXXX XXXX. We use online banking with bill pay service. We also receive ebills through our online banking for this creditor and have it setup so that our online banking automatically pays this account by due date listed on ebill. Historically, creditor deposits bill payments within 0-5 days of payment date and credits our account as of payment due date. Creditor failed to timely credit bill pay payment sent via online banking bill pay dated XX/XX/2023. Creditor did not enter bill pay payment until XX/XX/2023. Due to this, XXXX XXXX then initiated a 30-day past due record on credit report. I have records backing their historical and current payment application records showing that bill payments have been deposited within 0-5 days of date of bill pay and credited to our consumer account by due date.
Frequently Asked Questions
What is Complaint #7210461 about?
Complaint #7210461 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 2023-07-05T12:00:00-05:00.
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.