Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9597355
Complaint Overview
Complaint ID: 9597355
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: 90230
Date Received: 2024-07-23T12:00:00-05:00
Date Sent to Company: 2024-07-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year>, looks like the Private company called experian is willfully non compliant with FCRA rules, either Experian clerks can not read proper XXXX or they are just playing coi. it my understanding after carefully reading the law under FCRA it clearly says that my consumer report has to contain maximum accuracy, maximum completeness and maximum verifiable information. 15 U.S. Code 1681i - Procedure in case of disputed accuracy .15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; and I have given Experian the factual evidence showing from their Experian report. 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Yet Experian clerks are not reading XXXX. The XXXX of Experian is a Joke. The law is very clear and cristal. CFPB as a governing agency. Why is it that Experian continues this nonsense by reporting not only DUPLICATE ACCOUNTS, BUT NOT ADHERING TO FEDERAL AS IT HAS TO. FEDERAL IS THE LAW OF THE LAND. I HAVE POINTED 2 MAJOR VIOLATIONS BY EXPERIAN. 15 U.S. Code 1681n ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} these accounts are duplicated on my experian consumer reports. these accounts have historical deficiencies, inaccurate reporting, incomplete information, its obviously erronious high balances are really don't make sense, all inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian fix all the errors on this account. if you can not then delete entire account.
Frequently Asked Questions
What is Complaint #9597355 about?
Complaint #9597355 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 2024-07-23T12:00:00-05:00.
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.