Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9930964
Complaint Overview
Complaint ID: 9930964
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: Florida
ZIP Code: 339XX
Date Received: 2024-08-25T12:00:00-05:00
Date Sent to Company: 2024-08-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Removal of Inaccurate Late Payments from Credit Report Dear CFPB Team, I am writing to formally file a complaint and request the removal of several inaccurately reported late payments from my credit report. This request pertains to my account with XXXX XXXX XXXX, account number XXXX, where late payments have been reported on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I believe these reports are incorrect and should be removed based on the following legal grounds : XXXX. Fair Credit Reporting Act ( FCRA ) : o 15 U.S. Code 1681s-2 : This section outlines the responsibilities of information furnishers to provide accurate information to credit reporting agencies. Any inaccurate or incomplete information must be corrected promptly. o 15 U.S. Code 1681i : Under this section, consumers have the right to dispute information on their credit reports. Credit reporting agencies are required to investigate disputes and correct any inaccuracies. 2. Truth in Lending Act ( TILA ) : o 15 U.S. Code 1637 ( b ) : This section mandates that creditors provide accurate billing statements to consumers. Any errors or inaccuracies in billing should be corrected immediately upon discovery. 3. FCRA Section 1666b : This section requires that when a consumer disputes a billing error, the creditor must conduct an investigation and report the results back to the consumer. If the creditor fails to respond within the specified time, the creditor must remove the disputed charge from the consumer 's account. I respectfully request that you review my case, remove the inaccurate late payments from my credit report, and inform me of the results of your investigation. Enclosed with this letter are copies of my credit report and any additional documentation that supports my claim. I look forward to your prompt response and resolution of this matter. Please do not hesitate to contact me if you need any further information to expedite this process.
Frequently Asked Questions
What is Complaint #9930964 about?
Complaint #9930964 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 2024-08-25T12:00:00-05:00.
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.