Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9796485
Complaint Overview
Complaint ID: 9796485
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: Investigation took more than 30 days
State: Florida
ZIP Code: 33033
Date Received: 2024-08-13T12:00:00-05:00
Date Sent to Company: 2024-08-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against XXXX regarding their failure to comply with the legal requirements stipulated under the Fair Credit Reporting Act ( FCRA ). Specifically, I requested the method of verification ( MOV ) that XXXX used in response to a dispute I filed. According to the FCRA, upon receipt of such a request, the credit reporting agency is required to respond within 15 days of receiving the request. The relevant section of the FCRA is Section 611 ( a ) ( 6 ) ( B ) ( iii ), which states that if the consumer requests the method of verification used by the consumer reporting agency during the dispute process, the agency must provide that information within 15 days of receiving the consumers request. I sent my request for the method of verification to XXXX via certified mail. I have in my possession the certified mail receipt with the tracking number, showing that XXXX had someone pick up the letter from the postal facility in XXXX, Georgia, on XX/XX/2024. Based on this, XXXX was required to respond to my request by XX/XX/2024. Today is XX/XX/2024, and I have still not received any response or acknowledgment from XXXX. This lack of response is not only in violation of the FCRA but also causes significant concern regarding the accuracy and transparency of XXXX dispute resolution process.
Frequently Asked Questions
What is Complaint #9796485 about?
Complaint #9796485 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 2024-08-13T12:00:00-05:00.
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.