Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10872447
Complaint Overview
Complaint ID: 10872447
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: Maryland
ZIP Code: 21234
Date Received: 2024-11-18T12:00:00-05:00
Date Sent to Company: 2024-11-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report, which I believe is being reported incorrectly. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be incomplete, incorrect, or unverifiable. Upon reviewing my credit report, I have noticed a charge-off reported by [ XXXX XXXX ] under account number [ Account XXXX ]. I have reasons to believe this charge-off is being inaccurately reported, and I am requesting that you investigate this matter under the provisions of the FCRA, which requires all information reported on credit reports to be accurate, complete, and verifiable. The specific item in question is the charge-off reported on [ Date of Charge-off ] with the following details : Creditor : XXXX Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX Creditor : CAPITAL XXXX Account Number : XXXX Reported Balance : {$1600.00} Date Reported : XX/XX/XXXX Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$1500.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$890.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$590.00} Date Reported : XX/XX/XXXX Creditor : XXXX OF XXXX Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX I kindly request that you : Conduct a thorough investigation into this account and its reporting. Verify the accuracy of the charge-off, including the original terms and any payments made. Provide evidence supporting the reported charge-off. Remove this item from my credit report if it can not be verified as accurate. Under the FCRA, you are required to investigate this dispute within 30 days of receipt of this letter. Please inform me in writing of the outcome of your investigation, and if this item is found to be inaccurate or unverifiable, I request that it be removed from my credit report. Enclosed, I have provided supporting documentation that outlines my position, including [ list any relevant documents you are including, such as payment records, correspondence, etc. ]. Please notify me once your investigation is complete. I look forward to your prompt resolution of this matter. Thank you for your attention to this issue. Sincerely,
Frequently Asked Questions
What is Complaint #10872447 about?
Complaint #10872447 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 2024-11-18T12:00:00-05:00.
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.