Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9777191
Complaint Overview
Complaint ID: 9777191
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: Difficulty submitting a dispute or getting information about a dispute over the phone
State: New Jersey
ZIP Code: XXXXX
Date Received: 2024-08-12T12:00:00-05:00
Date Sent to Company: 2024-08-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Experian due to their repeated failure to adhere to their legal responsibilities to 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The consumer disputes a consumer reporting agency. The consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file by paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I have disputed this inaccurate information with Experian multiple times, providing ample evidence to support my claims. However, Experian has consistently failed to conduct a reasonable investigation into my disputes and has continued to report inaccurate information. This blatant disregard for their legal obligations has caused me considerable stress, anxiety, and financial hardship. I have been denied credit, faced higher interest rates, and been subjected to other adverse actions due to Experian 's negligence. I urge the CFPB to take swift and decisive action against Experian to hold them accountable for their misconduct and to ensure that they comply with their legal responsibilities as a furnisher of information to consumer reporting agencies. XXXX XXXX Account XXXX Updated The item you disputed has been updated, which XXXX include an update to the disputed information. Please review your report for the details. XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. XXXX XXXX XXXX XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. XXXX, a representative from Experian, stonewalled me and informed me that he and Experian do not remove accounts because it is not in their best interest.
Frequently Asked Questions
What is Complaint #9777191 about?
Complaint #9777191 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 2024-08-12T12:00:00-05:00.
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.