Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10833073
Complaint Overview
Complaint ID: 10833073
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: 33055
Date Received: 2024-11-17T12:00:00-05:00
Date Sent to Company: 2024-11-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Late Payment / ReposessionNotification and Assertion of Consumer Rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute late payment entries and repossession currently reporting on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ). According to my credit report, there is a late payment entries listed for accounts XXXX XXXX XXXX with late payment entries and repossession entry for XXXX XXXX XXXX However, I would like to bring to your attention that these late payments and repossession are inaccurate and unjustified. Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable. Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies. I am formally requesting that you investigate these late payment entries with repossession and provide me with the following information : 1. Verification of the accuracy of the late payment entries with repossession including proof of the alleged late payment and current repossession. 2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments and repossession. I expect a thorough investigation into this matter and request that you provide me with a written response as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA. Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly. Thank you for your attention to this matter. I look forward to your prompt response. XXXX XXXX
Frequently Asked Questions
What is Complaint #10833073 about?
Complaint #10833073 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 2024-11-17T12:00:00-05:00.
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.