Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9321864
Complaint Overview
Complaint ID: 9321864
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: Was not notified of investigation status or results
State: Florida
ZIP Code: 34104
Date Received: 2024-06-21T12:00:00-05:00
Date Sent to Company: 2024-06-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I mailed a dispute letter to Experian requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. In my dispute letter, I explicitly requested that Experian investigate these inaccuracies and provide me with the results of their investigation. However, I have not received any response from Experian regarding my request, nor have I received any investigation results. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, the bureau is required to provide the consumer with the results of the investigation. Experians failure to respond to my dispute and provide the requested investigation results is a violation of the FCRA. As a consumer, I have the right to accurate information in my credit report and to receive a thorough investigation into any disputed items. It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to Experian as proof.
Frequently Asked Questions
What is Complaint #9321864 about?
Complaint #9321864 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 2024-06-21T12:00:00-05:00.
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.