Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9046273
Complaint Overview
Complaint ID: 9046273
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: 10562
Date Received: 2024-05-19T12:00:00-05:00
Date Sent to Company: 2024-05-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Violation of FCRA - Failure to Respond to Dispute & Verification Disclosure. Dear Experian I am writing to express my complaint regarding your company 's CONSISTENT violation of the Fair Credit Reporting Act ( FCRA ) in two instances : XXXX. Failure to respond to my dispute ( XXXX ) within 30 days : On XX/XX/2024, I submitted a dispute regarding inaccurate information on my credit report. As of today, XX/XX/2024, I have not received response from your company, exceeding the 30-day timeframe mandated by the FCRA ( 15 U.S.C. 168i ( a ) ). 2. Failure to provide verification disclosure : I requested the names and business addresses of each individual involved in the verification process related to my dispute. Despite my request, your company has failed to provide this information, Violating the FCRA 'S verification disclosure requirements ( 15 U.S.C 1681g ( a ) ). Your company 's failure to comply with these FCRA provisions has caused me significant distress, inconvenience, and potential harm to my creditworthiness. I demand that you : - Immediately investigate and resolve my dispute - Provide the verification disclosure information I requested - Take steps to ensure future compliance with the FCRA If I do not receive a satisfactory response within 15 days, I will pursue further action.
Frequently Asked Questions
What is Complaint #9046273 about?
Complaint #9046273 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 2024-05-19T12:00:00-05:00.
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.