Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #7630315
Complaint Overview
Complaint ID: 7630315
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: Texas
ZIP Code: 77433
Date Received: 2023-09-30T12:00:00-05:00
Date Sent to Company: 2023-09-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX Last XXXX SS # XXXX Experian XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Subject : Second Notice - Dispute of Inaccurate Information on My Consumer Report Dear Sir/Madam, I am writing to address a matter of significant concern regarding the accuracy of the information on my consumer credit report. On XX/XX/2023, I initiated a dispute with your agency regarding certain accounts that I believed to be reporting inaccurate information. Despite my dispute, your agency has indicated that these accounts are reporting accurate and verified information. I wish to bring to your attention that this response appears to be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( 1 ) ( A ) and 15 USC 1681i ( 5 ) ( A ). These sections of the FCRA mandate that consumer reporting agencies must conduct a reasonable reinvestigation of disputed items upon receiving a consumer 's dispute. In my initial dispute, I provided detailed information explaining why I believe the reported accounts contain inaccuracies. I also provided supporting documentation to substantiate my claims. However, your agency 's response seems to suggest that a proper reinvestigation may not have been conducted, as the inaccuracies in the reported accounts remain unaddressed. To recap, the disputed accounts in question are as follows : XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Date last active, No. of Months Term, Reporting inaccurate late payments when account is charged off. Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : No. of Months Terms, Payment Status each agency reporting different data, Last Reported dates Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Account Type, Date Account Opened, Inaccurate payment history Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified I would like to reiterate that these inaccuracies are not merely discrepancies ; they are significant and have a direct impact on my financial standing. I have a right to a fair and accurate credit report, as guaranteed by the FCRA. In light of this situation, I kindly request that you conduct a thorough and unbiased reinvestigation into the disputed accounts. This investigation should include a review of all relevant documentation and communication with the reporting creditors, as necessary. I am enclosing copies of the documentation I provided during my initial dispute for your reference. This is not the time for your agency to make any corrections due to your agency stating these accounts are accurate and verified. Please be advised that I expect your agency to comply with the FCRA by conducting a proper reinvestigation and providing me with a written response detailing the results of this investigation. If the accounts are indeed found to be inaccurate, I request their immediate removal from my credit report. Should your agency fail to comply with the FCRA by not conducting a reasonable reinvestigation or providing a satisfactory response, I will be left with no choice but to pursue legal remedies available to me under the FCRA. I appreciate your prompt attention to this matter and anticipate a timely resolution. You may contact me at ( XXXX ) XXXX or XXXX or XXXX if you require any further information or clarification. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #7630315 about?
Complaint #7630315 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 2023-09-30T12:00:00-05:00.
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.