Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10494074
Complaint Overview
Complaint ID: 10494074
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: Nevada
ZIP Code: 89011
Date Received: 2024-10-17T12:00:00-05:00
Date Sent to Company: 2024-10-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of XXXX XXXX Credit Card Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my XXXX XXXX Credit Card account, which was opened on XX/XX/year>, with a current balance of {$340.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and various provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ). Under 15 USC 1681, I have a right to privacy concerning my financial information. I did not provide permission to XXXX XXXX XXXX XXXX to furnish my account information to credit reporting agencies, which is a requirement under 15 USC 1604 ( a ). Furthermore, according to 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been misapplied in my case. Given these violations, I am requesting that you investigate this matter and remove the XXXX XXXX Credit Card account from my credit report. I have not authorized the reporting of this account, and it is imperative that my rights under the UCC and FCRA are upheld. Please conduct a thorough investigation into this matter and provide me with written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10494074 about?
Complaint #10494074 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 2024-10-17T12:00:00-05:00.
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.