Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10093832
Complaint Overview
Complaint ID: 10093832
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: Report provided to employer without your written authorization
State: Georgia
ZIP Code: XXXXX
Date Received: 2024-09-11T12:00:00-05:00
Date Sent to Company: 2024-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to address significant inaccuracies in the information reported by your agency. As a consumer, I am alarmed by the blatant negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, you are obligated to provide a full description of the reinvestigation procedure used to verify these disputed items, including the business name, address, and contact number of any furnisher of the disputed information. You are hereby given XXXX days to respond with the requested information. Failure to comply with this demand will result in further action, as permitted by law. Despite my prior communication, which clearly stated that I am a victim of identity theft, and despite my FTC report ( enclosed ), your agency has failed to block and remove the disputed items from my credit report within the XXXX business days mandated under 15 U.S.C. 1681c-2 ( c ) ( a ). This continued reporting is not only misleading but is a clear violation of the FCRA, and I demand immediate corrective action. Below are the disputed accounts that remain improperly listed on my credit report : XXXX XXXX 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 update as agreed on this payment history. Else, DELETE this account immediately! XXXX XXXX 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 update as agreed on this payment history. Else, DELETE this account immediately!
Frequently Asked Questions
What is Complaint #10093832 about?
Complaint #10093832 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 2024-09-11T12:00:00-05:00.
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.