Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8255092
Complaint Overview
Complaint ID: 8255092
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: Maryland
ZIP Code: 20721
Date Received: 2024-01-30T12:00:00-05:00
Date Sent to Company: 2024-01-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute Regarding Experian Reporting - Urgent Assistance Requested Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your assistance with a pressing matter related to Experian 's reporting practices and the inaccurate information on my credit report. The situation is causing significant financial distress and requires immediate attention. According to XXXX, the relationship manager at XXXX XXXX XXXX XXXX XXXX ), the account in question was not reported by XXXX and has not been reported since XX/XX/ XXXX Furthermore, she stated that after my husband filed for bankruptcy, XXXX placed the account in an inactive state in compliance with the notification of XXXX XXXX bankruptcy. The inactive account was not to be reported after XX/XX/XXXX Given this information, I am puzzled as to how Experian obtained the account details if no other credit agency such as XXXX or XXXX has reported the same information. Experian claims that they rely on information provided by the creditor, in this case, XXXX. However, the contradictory statements from XXXX and the unavailability of verification from Experian are exacerbating my frustration. To address this issue, XXXX is currently preparing a document in writing confirming that they did not report the information currently reflected on my Experian credit report. I am hopeful that this documentation will support my dispute with Experian and rectify the adverse impact this situation has on my financial reputation. This oversight is also particularly frustrating as it inaccurately portrays my creditworthiness and has implications for my financial well-being. I kindly request your intervention in tracking down the sources of information transmitted to Experian regarding XXXX account and urge you to help me ensure the removal of any data that was not provided by the lender, XXXX XXXX XXXX. Your assistance in expediting this process is greatly appreciated, as the prolonged presence of these inaccuracies is causing significant strain on my financial situation. Thank you for your attention to this matter. I am confident that, with your assistance, we can rectify these credit reporting inaccuracies and restore the integrity of my financial profile.
Frequently Asked Questions
What is Complaint #8255092 about?
Complaint #8255092 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 2024-01-30T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.