Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10467529
Complaint Overview
Complaint ID: 10467529
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: Florida
ZIP Code: 33056
Date Received: 2024-10-15T12:00:00-05:00
Date Sent to Company: 2024-10-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I reviewed my consumer credit report and noticed that XXXX Bank XXXX, the issuer of the XXXX Card, continues to report inaccurate information despite multiple disputes. Specifically, the bank has incorrectly reported XXXX late payments ( XXXX and XX/XX/year> ), which were previously resolved and should not have been reinserted onto my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits the reinsertion of previously disputed and unverified information. In addition to the credit reporting inaccuracies, I had previously reported fraudulent activity on my Apple Card account, which the bank investigated without notifying or involving me, as required under the Electronic Fund Transfer Act ( EFTA ). The bank 's investigation concluded that the disputed transactions were valid, but I never consented to or received notice of the investigation 's progress or outcome, which violates my rights under 15 U.S.C. 1693m. On XX/XX/year>, I was contacted by XXXX Bank XXXX via phone without my authorization. This unsolicited communication violates my rights under the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, as I had not given the bank consent to contact me by phone regarding this matter. Furthermore, XXXX Bank XXXX has failed to correct the inaccuracies on my report, despite acknowledging these errors during a previous dispute process. The banks actions have caused significant damage to my credit score and have led to financial harm, including difficulties in obtaining credit and higher interest rates.
Frequently Asked Questions
What is Complaint #10467529 about?
Complaint #10467529 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 2024-10-15T12:00:00-05:00.
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.