Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10878275
Complaint Overview
Complaint ID: 10878275
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: South Carolina
ZIP Code: 29341
Date Received: 2024-11-20T12:00:00-05:00
Date Sent to Company: 2024-11-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, XXXX XXXX, noticed multiple serious violations regarding my credit report and the practices of certain debt XXXX. These violations are in direct conflict with the Fair Credit Reporting Act ( FCRA ), and I have taken the necessary steps to address them. Heres a breakdown of what occurred : XXXX XXXX XXXX : The credit reporting agency accepted and reported credit information about me without properly verifying its accuracy, which violates FCRA Section 616. This was a willful disregard for the law, and under the FCRA, I am entitled to seek civil liability for up to {$XXXX} for each violation. Failure to Disclose My Opt-Out Rights : I was not informed about my right to opt out of the sharing of my personal information with third parties, as required by FCRA Section 603 ( d ) ( 2 ) ( A ). This omission misled me, and I believe it violated my consumer rights. Inaccurate and Deceptive Reporting : The credit agencies and certain debt collectors furnished inaccurate credit inquiries and accounts without proper validation. This is a violation of FCRA Section 623 ( a ) ( 3 ), and these errors are deceptive and misleading, potentially affecting my creditworthiness. Harassment and Unfair Debt Collection Practices : I was harassed by debt collectors who reported debts that were inaccurate or did not exist. This caused me unnecessary distress and unwanted contact from creditors, which violates the Debt Collection Practices Act. Unauthorized Disclosure of Debt Information : Debt collectors improperly shared my personal information with third-party credit agencies, falsely stating that I owed debts. This violates regulations against disclosing such information to third parties without consent. Deceptive Reporting of Late Payments : Several accounts on my credit report were marked as " late payments '' without a clear definition or justification for what constitutes a late payment. This is misleading, inaccurate, and violates FCRA Section 1681e ( b ), which mandates accurate reporting. Incorrect Finance Charges : The credit reporting agency failed to accurately calculate and report finance charges on my accounts, violating their obligations under FCRA Section 607. Failure to Obtain My Consent for Reporting : Some information was reported on my credit report without my explicit written consent, which goes against the permissible purposes outlined in FCRA Section 1681b ( a ) ( 2 ). These practices are illegal under the FCRA. To resolve these violations, Ive requested the following actions : Immediate deletion of incorrect personal information related to addresses that dont belong to me, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corrections to payment histories on accounts like XXXX XXXX XXXX, XXXX, and XXXX, specifically updating the payment history to " paid as agreed/never late '' as instructed by FCRA Section 1681s-2 ( a ) ( 1 ) ( F ) for the COVID-19 period. Validation of debts for accounts listed by debt collectors like XXXX XXXX, XXXX, and XXXX XXXX. If they can not validate the debt, Ive requested that these items be removed from my credit report, as required under FCRA Section 1692g and relevant case law. Ive made it clear that I expect these issues to be resolved promptly. If they arent, I will have no choice but to pursue legal remedies available to me under the FCRA. These inaccuracies and violations have already harmed my credit, and I am demanding that they be addressed immediately.
Frequently Asked Questions
What is Complaint #10878275 about?
Complaint #10878275 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 2024-11-20T12:00:00-05:00.
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.