Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10608425
Complaint Overview
Complaint ID: 10608425
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: 33612
Date Received: 2024-10-28T12:00:00-05:00
Date Sent to Company: 2024-10-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX City State Zip : XXXX, Florida Date : XXXX Creditor Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX New York XXXX RE : Inaccurate Credit Reporting ( XXXX XXXX XXXX ) To whom it XXXX concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account ( XXXX XXXX, account number is reporting a balance of ( {$1.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10608425 about?
Complaint #10608425 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 2024-10-28T12:00:00-05:00.
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.