Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8701740
Complaint Overview
Complaint ID: 8701740
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: 60013
Date Received: 2024-04-03T12:00:00-05:00
Date Sent to Company: 2024-04-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Notice of Dispute - XXXX XXXX To Whom It May Concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. Upon review, it has become apparent that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to address and rectify this issue. Specifically, I am formally requesting a comprehensive debt validation, encompassing the following key details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself concerning the account XXXX XXXX. Original Creditor : Clearly state the name and contact details of the original creditor linked to this account. Original Open Date : Specify the precise date on which the account XXXX XXXX was initially established. Date of Last Payment : Clearly indicate the exact date of the last payment made concerning this account. Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. I am fully cognizant of my rights under the FCRA, and it is evident that there has been a failure on the part of Experian to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I demand a swift response and resolution to this matter. Failure to adhere to this request within [ 15 days ] from the date of this correspondence will compel me to pursue legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to take such action. I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, I request that any corrections made to my credit report be promptly updated.
Frequently Asked Questions
What is Complaint #8701740 about?
Complaint #8701740 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 2024-04-03T12:00:00-05:00.
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.