Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10050545
Complaint Overview
Complaint ID: 10050545
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Michigan
ZIP Code: 48223
Date Received: 2024-09-05T12:00:00-05:00
Date Sent to Company: 2024-09-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, As a consumer, I am beyond dissatisfied with the unacceptable negligence shown by your agency regarding the verification of the fraudulent items on my credit report. I demand full documentation of the steps taken by your agency to ensure the XXXX XXXX accuracy of these items, as required under 15 U.S.C. 1681i ( 7 ) Method of Verification. This statute clearly states that a credit reporting agency must provide, upon the consumers request, a detailed outline of the procedures used to verify the accuracy and completeness of the disputed items. This includes, but is not limited to : 1. The business name, address, and telephone number of the furnisher of information contacted. 2. The specific persons name with whom you verified the dispute. 3. Valid documentation is used to validate the dispute. Let me remind you that this information must be provided no later than XXXX days from the date of this formal request, as required by law. I have previously requested the immediate blocking and removal of all fraudulent information, yet these items remain on my report : XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately! XXXX XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. XXXX XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. XXXX XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. XXXX XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report.
Frequently Asked Questions
What is Complaint #10050545 about?
Complaint #10050545 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-09-05T12:00:00-05:00.
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.