Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9531411
Complaint Overview
Complaint ID: 9531411
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: Virginia
ZIP Code: 236XX
Date Received: 2024-07-16T12:00:00-05:00
Date Sent to Company: 2024-07-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I have been an XXXX XXXX Credit card member since XX/XX/22. I have a XXXX credit card limit and never missed a payment since now in XXXX as they reported. I have never had an issue with this small obligation monthly compared to my bigger debts. The month of XXXX was a very volatile month for me and my family, I had to pay a XXXX debt off, then a XXXX debt off in XXXX. Also, My personal accounts were getting excessive charges and fees that I had to investigate and get under control with my banks. My XXXX Credit card autopay must've returned back while processing while I was advised from my banks to freeze card for a periodic time. I did not know it would cause me to get a XXXX LATE PAYMENT Inquiry on my report, it was never my intention to not pay a XXXX $ monthly obligation. Once i noticed my credit report was affected in XXXX I sent a letter to XXXXXXXX XXXXXXXX Explaining it was an error and to have the inquiry removed or updated to PAID AS AGREED. My BANK DID TAKE THE MONTHLY PAYMENT FOR XXXX BUT IT MUST'VE REJECTED WHILE PROCESSING WHILE ADVISED TO FREEZE ACCOUNTS PERIODICALLY. THIS ISSUE IS EFFECTING ME AND MY FAMILY CLOSING UNDER CONTRACT AND I AM ASKING TO BE FORGAVE AND TO GET THIS REMOVED ASAP FROM MY CREDIT REPORT OR UPDATED TO PAID AS AGREED PLEASE. I HAVE ALSO PAID MORE OF THE BALANCE DOWN TO SHOW GOOD FAITH OF LIFE AND THINGS HAPPEN BUT MY INTENTIONS WEREN'T BAD. I NEED THIS OFF MY REPORT TO FINISH MY VA HOME LOAN PROCESS PLEASE.
Frequently Asked Questions
What is Complaint #9531411 about?
Complaint #9531411 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 2024-07-16T12:00:00-05:00.
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.