Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #7465713
Complaint Overview
Complaint ID: 7465713
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Delaware
ZIP Code: 19702
Date Received: 2023-08-28T12:00:00-05:00
Date Sent to Company: 2023-08-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the accuracy of certain information listed on my Experian credit report, as provided by your agency. I originally contacted Experian on XX/XX/XXXX to address the incorrect information detailed below. Despite the passage of time, I have not received any response or resolution from Experian. I am now seeking your assistance in rectifying these discrepancies. Account Details : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} ( Disputed Amount ) The reported information concerning XXXX is inaccurate. The original creditor associated with this account is XXXX XXXX XXXX XXXX, not the company indicated by your agency. I have never engaged in any contractual arrangement with this entity and have not been contacted by them. Furthermore, the reported balance of {$1400.00} is higher than my understanding of the actual amount. I hereby dispute this account in its entirety and request verification of the Date Opened and Date of First Delinquency. XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ( Disputed Amount ) The details provided for the account XXXX are also inaccurate. The true original creditor for this account is XXXX XXXX XXXX XXXX, not the entity stated by your agency. The reported balance of {$1700.00} exceeds the amount I acknowledge as owed. I challenge the accuracy of this account and insist on verification of the Date Opened and Date of First Delinquency. XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ( Disputed Amount ) The information presented for the account XXXX necessitates further investigation. While the original creditor is XXXX XXXX XXXX, I have not been contacted by XXXX. The reported balance of {$1100.00} is inflated and inconsistent with my records. As a result of these disparities, I dispute the entire account and demand verification of the Date Opened and Date of First Delinquency.
Frequently Asked Questions
What is Complaint #7465713 about?
Complaint #7465713 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2023-08-28T12:00:00-05:00.
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 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.