Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Fair Credit Reporting Act ( FCRA ) Para informacin en XXXX, XXXX XXXX XXXX XXXX XXXX la Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

A Summary of Your Rights Under the Fair Credit Reporting Act. 
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. 

You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. 

You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your " file disclosure '' ). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : a person has taken adverse action against you because of information in your credit report ; you are the victim of identity theft and place a fraud alert in your file ; your file contains inaccurate information as a result of fraud ; you are on public assistance ; you are unemployed but expect to apply for employment within 60 days. 
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each XXXX credit bureau and from XXXX XXXX consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information. 

You have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. 

You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. 

You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore. 

You may limit " prescreened '' offers of credit and insurance you get based on information in your credit report. Unsolicited " prescreened '' offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). 

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. 

Identity theft victims and XXXX XXXX military personnel have additional rights. For more Information, visit www.consumerfinance.gov/learnmore. 

Consumers Have The Right To Obtain A Security Freeze You have a right to place a 'security freeze ' on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. 

As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer 's credit file. Upon seeing a fraud alert display on a consumer 's credit file, a business is required to take steps to verify the consumer 's identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. 

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. 

States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal rights, contact : FOR QUESTIONS OR CONCERNS REGARDING : PLEASE CONTACT : 1.a. Banks, savings associations, and credit unions with total assets of over {$10.00} billion and their affiliates. 

b. Such affiliates that are not banks, savings associations, or credit unions also should list in addition to the Bureau : a. Bureau of Consumer Financial Protection XXXX XXXX XXXX XXXXXXXX XXXX DC XXXX b. Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX Washington XXXX DC XXXX 2. To the extent not included in item 1 above : a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks b. State member banks, branches and agencies of foreign banks ( other than federal branches, federal agencies, and insured state branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act c. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings associations d. Federal Credit Unions a. Office of the Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX XXXX, TX XXXX b. Federal Reserve Consumer Help XXXX XXXX XXXX XXXX XXXX, MN XXXX c. Division of Depositor and Consumer Protection National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX, MO XXXX XXXX National Credit Union Administration Office of Consumer Financial Protection XXXX XXXX XXXX XXXX, VA XXXX XXXX. Air carriers Assistant General Counsel for Office of Aviation Consumer Protection Department of Transportation XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX DC XXXX XXXX. Creditors Subject to Surface Transportation Board Office of Public Assistance, Governmental Affairs, and Compliance Surface Transportation Board XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX. Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards Division Regional Office 6. Small Business Investment Companies Associate Administrator, Office of Capital Access United States Small Business Administration XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  DC XXXX 7. Brokers and Dealers Securities and Exchange Commission XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX XXXX. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations Farm Credit Administration XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the creditor operates or Federal Trade Commission : Consumer Response Center - FCRA XXXX XXXX DC XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation