Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10494104
Complaint Overview
Complaint ID: 10494104
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 Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). The account in question is associated with Pro Collect, opened on XX/XX/year>, for the amount of {$170.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, it is imperative that all information reported to credit reporting agencies is accurate and complete. The failure to report the correct payment status constitutes a violation of federal law. Additionally, the XXXX mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you are unable to provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it. I expect a response within 30 days, as stipulated by the FCRA. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10494104 about?
Complaint #10494104 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.