Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7216325
Complaint Overview
Complaint ID: 7216325
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: Tennessee
ZIP Code: 38118
Date Received: 2023-07-06T12:00:00-05:00
Date Sent to Company: 2023-07-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Experian was informed multiple times that XXXXXXXX XXXX was reporting the wrong balances on my credit. After months XXXX finally admitted that they were reporting the wrong balance, and that they were charging me for money that was paid to them and money that was returned to the count per unauthorized charges with interest intact. The {$1400.00} XXXX has credited the account is a part of the inaccurate balance that they have been claiming was debt or credit to the credit bureau owed to them for months. When I asked XXXX to admit this to the credit bureau they came up with excuses and lies telling me that their inaccurate report did not matter and for me to have creditors call them to let them know they made a mistake if I needed a loan. They have been recorded telling me that what is written in the credit bureau does not matter. I began not to trust XXXX and have recording s of everything they said to me, which confirms the accuracy of all that has been stated.,. The damage XXXX XXXX did could have been fixed early on if experian had properly disputed and researched the credit amounts that XXXX stated they issued, when they did not issue nor ask my permission to increase my credit line. XXXX XXXX abused my trust. XXXX literally took money from my bank and claimed it was credit issued to me by XXXX then reported my money as debt to the credit Bureau, which is illegal and was never authorized by me.
Frequently Asked Questions
What is Complaint #7216325 about?
Complaint #7216325 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 2023-07-06T12:00:00-05:00.
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.