Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8267760
Complaint Overview
Complaint ID: 8267760
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: Investigation took more than 30 days
State: New York
ZIP Code: 11433
Date Received: 2024-02-01T12:00:00-05:00
Date Sent to Company: 2024-02-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
As a knowledgeable consumer, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to formally dispute the handling and reporting of Account # XXXX XXXX linked to my credit file. Upon checking my credit report, I noticed the account mentioned above was marked as closed in XX/XX/XXXX. However, even after receiving confirmation of its deletion on XX/XX/XXXX, I found it was still reported on my credit file beyond the statutory period for such reporting. This overstep violates the timelines outlined by 15 USC 1681c-2. This delay and misreporting not only breach the FCRA but also infringe my rights under 15 USC 6802. The account, once closed, should not have been reported or misrepresented in any subsequent credit reporting. This mistake suggests a procedural error causing significant mental and financial distress. Moreover, the ongoing reporting of this account infringes my rights under 15 USC 1611. As per 15 USC 1692g ( c ) ( 2 ), I can seek monetary relief for each violation of these laws. It's important to note that such credit reporting inaccuracies can deeply and permanently affect a person 's creditworthiness and financial stability. I request compensation for the distress and potential financial impact these violations have caused. According to the FDCPA and FCRA, I can claim statutory damages of up to {$1000.00} per violation, plus any actual damages suffered. Please note that if these issues are not promptly resolved, I may be forced to take further legal action to protect my rights and seek all remedies available under the law.
Frequently Asked Questions
What is Complaint #8267760 about?
Complaint #8267760 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 2024-02-01T12:00:00-05:00.
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.