Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7298714
Complaint Overview
Complaint ID: 7298714
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: Kansas
ZIP Code: 66102
Date Received: 2023-07-24T12:00:00-05:00
Date Sent to Company: 2023-07-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Complaint Against Experian for FCRA Violation - Report Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to lodge a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ). Report Number : XXXX was closed on XX/XX/23, yet it has remained in the dispute process since XX/XX/23, exceeding the promised 30-day resolution period. On XX/XX/23, I initiated a dispute with Experian by directly calling their dispute specialist. We discussed various incorrect and fraudulent items on my credit report. The specialist assured me that the matter would be resolved within 30 days or removed, as required by FCRA Law. I submitted supporting documentation for the disputed items during the following weeks. However, on XX/XX/23, only the disputed addresses were closed and updated - Report Number XXXX. The account related to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) remained open without any dispute results until XX/XX/23. Experian 's failure to handle this dispute within the promised timeframe and its inaccurate reporting stand in violation of FCRA Law. I urgently request the CFPB to hold Experian accountable for their actions and have this inaccurate account removed from my credit report immediately. Enclosed with this complaint, please find relevant documentation, including records of my dispute initiation, communication with Experian 's specialist, and the subsequent updates. Thank you for your attention to this matter. I anticipate your swift action in resolving this dispute and upholding the integrity of the FCRA.
Frequently Asked Questions
What is Complaint #7298714 about?
Complaint #7298714 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 2023-07-24T12:00:00-05:00.
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.