Debt or credit management -- Confusing or missing disclosures -- Complaint #8268793
Complaint Overview
Complaint ID: 8268793
Company: Experian Information Solutions INC.
Product: Debt or credit management
Sub-Product: Credit repair services
Issue: Confusing or missing disclosures
State: Maryland
ZIP Code: 21144
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
In accordance with House Joint Resolution 192, all debts have been paid in full, and I believe the charge-off and late payments should not be reported on my credit file. The continued reporting of this charge-off and late payments is causing damages to my creditworthiness, and I request their removal to mitigate these adverse effects. Alternatively, I may seek damages for any harm caused. I kindly request that you review the details of my account and verify the payment of the said debt. If necessary, I am prepared to provide documentation supporting the settlement for less than the full balance amount. As per the regulations outlined in HJR 192, any offset debt that has been settled should not negatively impact my credit report.
Frequently Asked Questions
What is Complaint #8268793 about?
Complaint #8268793 was filed against Experian Information Solutions INC. regarding Debt or credit management specifically about Confusing or missing disclosures. 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 (Debt or credit management) 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.