Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #7865434
Complaint Overview
Complaint ID: 7865434
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: Indiana
ZIP Code: 46544
Date Received: 2023-11-16T12:00:00-05:00
Date Sent to Company: 2023-11-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Sent letter to company to validate debt on XX/XX/23. company reported to credit bureau account was accurate dis regarding laws. I am filing a complaint regarding the verification process of a debt, noting apparent violations of the Fair Credit Reporting Act ( FCRA ) Section XXXX and Section XXXX, along with the Fair and Accurate Credit Transactions Act ( XXXX ) Section XXXX. The verification of this debt seems to have disregarded FCRA regulations, and there have been clear violations in reporting inaccurate debt without proper verification as mandated by these sections. Under FCRA XXXX XXXX ( XXXX U.S.C XXXX ), I am entitled to a proper investigation into the accuracy of reported debts upon request, which, in this case, was not adequately fulfilled. Furthermore, FACTA Section XXXX emphasizes the accuracy and integrity of information reported to credit bureaus, requiring diligent verification to prevent inaccurate reporting. This failure to provide requested information and validate the debt raises significant concerns about compliance with FCRA guidelines. Non-compliance could result in misleading and unjust repercussions on my credit standing. I urgently request immediate action to rectify this matter. I will attach the original documents I provided for your review. According to FCRA Section XXXX ( a ) ( XXXX ) and XXXX XXXX XXXX, inaccurate information must be promptly corrected or removed from the credit report, and any debt found to have violated verification requirements should be dissolved. I implore swift resolution in alignment with these FCRA and FACTA statutes to ensure fair and accurate credit reporting practices are followed. If XXXX unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to XXXX the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by your company and/or any entity.
Frequently Asked Questions
What is Complaint #7865434 about?
Complaint #7865434 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 2023-11-16T12:00:00-05:00.
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.