Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10131177
Complaint Overview
Complaint ID: 10131177
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: North Carolina
ZIP Code: 28269
Date Received: 2024-09-15T12:00:00-05:00
Date Sent to Company: 2024-09-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally request an investigation into Experian which has reported negative information on my credit file without my consent or authorization. I have never signed any application allowing this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Experian nor the reporting entities have provided this documentation. The debts in question include : XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX : {$890.00} XXXX XXXX : {$1600.00} XXXX XXXX : {$410.00} This raises serious concerns about Experians compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. The unauthorized reporting of this derogatory information has significantly impacted my credit score and financial standing, causing undue hardship. Under the Fair Credit Reporting Act ( FCRA ), I have not given any entity the authority to access or report information about me. Experians failure to comply with these legal requirements has caused harm to my credit standing. I respectfully request that the CFPB investigate this matter and take immediate action to ensure this inaccurate and unauthorized information is removed from my credit report. I have repeatedly communicated my concerns to Experian, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, Experian continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, along with proof of identity to determine who applied for these illegitimate debts.
Frequently Asked Questions
What is Complaint #10131177 about?
Complaint #10131177 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-09-15T12:00:00-05:00.
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.