Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9211099
Complaint Overview
Complaint ID: 9211099
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: California
ZIP Code: XXXXX
Date Received: 2024-06-07T12:00:00-05:00
Date Sent to Company: 2024-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to formally request a thorough reinvestigation into the inaccurate accounts being reported on my consumer credit report. I have identified several false instances and non-compliant information that require your immediate attention. Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the XXXX XXXX data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. I insist on your strict compliance with XXXX XXXX reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. The method of contact used ( e.g., phone, email, written correspondence ). Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ). Please address this matter with the urgency it deserves and provide a written response within the XXXX period as required by the FCRA. I expect a complete and thorough investigation into this matter. Please provide me with my written permissible purpose letter giving you consent to furnish. Thank you for your prompt attention to this serious issue. attached is my ID, SSN, and Proof of address. Also plea
Frequently Asked Questions
What is Complaint #9211099 about?
Complaint #9211099 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 2024-06-07T12:00:00-05:00.
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.