Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8128855
Complaint Overview
Complaint ID: 8128855
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: Illinois
ZIP Code: 60439
Date Received: 2024-01-08T12:00:00-05:00
Date Sent to Company: 2024-01-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
RE : Account Number : XXXX I hereby assert that the previous dispute between myself and XXXX XXXX XXXX was not subjected to a thorough and accurate investigation and took much longer than 30 days to complete. Consequently, I am initiating the reopening of said dispute, accompanied by the submission of additional information. It is pertinent to note that both my son, XXXX XXXX, and I held an auto loan account with XXXX XXXX XXXX, in which we both served as guarantors. During the months of XXXX and XX/XX/2022, while residing at our investment property in XXXX XXXX, Florida, we were confronted with the impact of Hurricane Ian and Hurricane Nicole. Prompted by the red evacuation zone designation, we were compelled to evacuate to higher ground, given the imminent danger posed by these severe hurricanes. Upon returning to our residence, we discovered that it had sustained substantial damage. Moreover, we endured weeks without power, internet, and cellular network coverage, as the cell towers in the area had been adversely affected by the hurricane. Due to the lack of cellular service, internet connectivity, and power, we were regrettably unable to effectuate a transfer of funds to the checking account designated by XXXX XXXX XXXX as the primary payment account. It is worth noting that an alternative checking account was available to XXXX XXXX XXXX for payment purposes, which, unfortunately, they neglected to utilize. Adding to the complexity of the matter, all three major credit bureaus have reported varying instances of late payments during three distinct months, further highlighting the inaccuracies in their reporting. I have diligently made multiple attempts to engage XXXX XXXX XXXX regarding this matter, both through written correspondence and telephone conversations. In these correspondences, I have provided the necessary loan statements and attached all pertinent information. Regrettably, their response thus far has been limited to requesting " more information, '' which I have already provided. Moreover, I have engaged in discussions with numerous XXXX XXXX XXXX representatives, all of whom have acknowledged the extenuating circumstances surrounding the hurricane, which qualifies as a natural disaster, and the subsequent state of emergency declared by Governor XXXX XXXX, as evidenced by the attached documentation. These representatives have concurred that the erroneous and incorrect late payment should be rectified, or alternatively, the account should be expunged entirely from both mine and my son 's credit reports. I am solely requesting that the late payment for XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Experian ) be appropriately marked as " Paid/Never Late '' on all three Credit Bureaus, for both myself and my son. Alternatively, I request that the inaccurate account be expunged completely, given that the loan has been satisfactorily settled, and we have maintained a consistent track record of timely payments. Failure on the part of XXXX XXXX XXXX to rectify this erroneous information will leave me no choice but to pursue legal action, citing unethical practices, inaccurate credit reporting, and seeking punitive damages as a result of the negative impact caused by the inaccurate reporting on my personal credit report. Along with this CFPB complaint I will also be filing a complaint with the FTC against XXXX XXXX XXXX. It is essential to underscore that this inaccurate reporting has impeded the growth of my business and has hindered my ability to secure additional business funding, as evidenced by documentation from lenders who have explicitly cited the inaccurate late payment from XX/XX/2022 to XX/XX/2022 on the XXXX XXXX XXXX auto loan as the reason for denying my credit applications. I have also attached along with this letter images of damage from our residence in XXXX XXXX Florida post Hurricane Ian, as well as further proof from news publications, President Joe Biden, and Governor XXXX XXXX State of Emergency letter.
Frequently Asked Questions
What is Complaint #8128855 about?
Complaint #8128855 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 2024-01-08T12:00:00-05:00.
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.