Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10636065
Complaint Overview
Complaint ID: 10636065
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: New York
ZIP Code: 10801
Date Received: 2024-10-30T12:00:00-05:00
Date Sent to Company: 2024-10-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to demand the immediate removal of inaccurate and derogatory information from my credit report. The accounts listed below are reported incorrectly and do not meet the compliance standards outlined by the XXXX XXXX XXXX XXXX ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). The following accounts are in dispute : I am disputing this hard inquiry under the Fair Credit Reporting Act, Section 1681e, as it is inaccurate and unauthorized. I have not initiated any transactions or applied for credit with the company that made this inquiry. Therefore, I request its immediate removal from my credit report to ensure maximum accuracy XXXX XXXX XXXX Inquiry Date : XX/XX/year> I am disputing this hard inquiry under the Fair Credit Reporting Act, Section 1681e, as it is inaccurate and unauthorized. I have not initiated any transactions or applied for credit with the company that made this inquiry. Therefore, I request its immediate removal from my credit report to ensure maximum accuracy XXXX XXXX Inquiry Date : XX/XX/year> Under 15 USC 1666B, this is a billing error. Always paid as agreed on time. This is an error. This account is in violation. XXXX XXXX XXXX Please update the late payments all payments were made on time. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. XXXX XXXX XXXXXXXX Cease and Desist ASAP. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. XXXX XXXXXXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. XXXX XXXX XXXX Cease and Desist ASAP. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK ) XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. XXXX XXXX XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. XXXX XXXX XXXX XXXXXXXX Cease and Desist ASAP Under 15 U.S. Code 1681s-2, the FCRA mandates that XXXX of information to credit reporting agencies ensure the maximum possible accuracy of the information they provide. The inaccurate information currently on my credit report is a violation of this statute. Moreover, I have already filed complaints regarding this matter with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX, and the Federal Trade Commission ( FTC ). These complaints highlight the non-compliance with XXXX XXXX standards and the resulting harm to my creditworthiness.
Frequently Asked Questions
What is Complaint #10636065 about?
Complaint #10636065 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 2024-10-30T12:00:00-05:00.
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.