Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8181637
Complaint Overview
Complaint ID: 8181637
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: 62269
Date Received: 2024-01-15T12:00:00-05:00
Date Sent to Company: 2024-01-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my account with the items in questioned. I believe my situation deserves immediate attention and resolution. I have encountered persistent issues regarding the removal of a late close on my account, which is included in a bankruptcy. Despite numerous attempts to rectify this matter through various channels, the issue remains unresolved, causing me significant distress and inconvenience. I filed for bankruptcy, and my account with XXXX XXXX was included in the bankruptcy proceedings. As a result, I expected that the late close on my account would be appropriately addressed in accordance with the legal processes outlined during bankruptcy. However, despite my best efforts, such as contacting customer service, submitting documentation, etc. ], the late close remains on my account, adversely affecting my financial standing and creditworthiness. I understand that mistakes can occur, but the persistence of this issue has prompted me to bring it to your attention formally. I kindly request that you investigate and resolve this matter promptly. I believe in fair and just practices, and I trust that Credit Bureaus will take the necessary steps to rectify this situation in a timely and efficient manner. If there are any specific documents or information required from my end to facilitate the resolution process, please let me know at your earliest convenience. I appreciate your attention to this matter and look forward to a swift and satisfactory resolution. I am asking for your assistance to remove these items in my credit file : XXXX XXXX XXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX XXXX XXXX Balance : {$85.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXX XXXX : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - I did not file a XXXX XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.
Frequently Asked Questions
What is Complaint #8181637 about?
Complaint #8181637 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 2024-01-15T12:00:00-05:00.
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.