Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9344954
Complaint Overview
Complaint ID: 9344954
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: Missouri
ZIP Code: 63136
Date Received: 2024-06-25T12:00:00-05:00
Date Sent to Company: 2024-06-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally complain about the inaccurate and misleading reporting of my accounts by XXXX XXXX XXXX XXXX and XXXX. Despite my previous disputes, the following issues remain unresolved : Double Reporting by XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX is reporting this account twice on my credit report, which is a clear violation of my consumer rights and highly misleading. Lack of Proper Verification for Disputed Accounts : Accounts : XXXX, XXXX XXXX ( multiple instances ) These accounts were previously disputed and came back as verified. However, I did not receive any method of verification supporting these findings, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Violations of FCRA : FCRA 611 ( a ) ( 1 ) ( A ) : Requires credit reporting agencies to conduct a reasonable investigation of disputed information. The failure to provide a method of verification indicates that a reasonable investigation was not conducted. FCRA 611 ( a ) ( 5 ) ( A ) : Mandates the deletion of inaccurate, incomplete, or unverifiable information. The double reporting of my XXXX XXXX account and the unverifiable status of the disputed accounts fall under this provision. FCRA 607 ( b ) : Obligates credit reporting agencies to maintain maximum possible accuracy in the information they report. The presence of double reporting and unverifiable accounts suggests a failure to comply with this requirement. FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers of information from reporting information they know or have reasonable cause to believe is inaccurate. XXXX XXXX 's double reporting and XXXX 's unverifiable accounts are in direct violation of this provision.
Frequently Asked Questions
What is Complaint #9344954 about?
Complaint #9344954 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 2024-06-25T12:00:00-05:00.
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.