Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8088173
Complaint Overview
Complaint ID: 8088173
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: Michigan
ZIP Code: 48104
Date Received: 2024-01-01T12:00:00-05:00
Date Sent to Company: 2024-01-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The account with account/tradeline " XXXXXXXX XXXX " and partial account number XXXX reports as a C/O with an " On record until '' date of XX/XX/XXXX. The courts within my Federal Judicial District have published a case that demonstrates how C/O are established relative the Date of First Delinquency ( see attached ). To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted seven ( 7 ) years from the " Estimated month and year this item will be removed '' date. For the Experian credit reports this is the " On record until '' date. The " On record until '' date for the account herein is XX/XX/XXXX and applying the method demonstrated by the Court to the account herein, ie. subtracting seven ( 7 ) years, gives a Date of First Delinquency of XX/XX/XXXX. XX/XX/XXXX is a month that precedes the alleged charge-off by more than 180 days and does not report as a month with a delinquency. XX/XX/XXXX can not be the correct Date of First Delinquency for this account because the account does not reflect a 30-day late status for XX/XX/XXXX, implying the Date of First Delinquency is false or inaccurate. The payment history and alleged charge-off remarks are false or inaccurate for the account because there is no reliable Date of First delinquency. Thus the payment history between the computed Date of First Delinquency XX/XX/XXXX and present need to be removed.
Frequently Asked Questions
What is Complaint #8088173 about?
Complaint #8088173 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 2024-01-01T12:00:00-05:00.
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.