Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10878452
Complaint Overview
Complaint ID: 10878452
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: Virginia
ZIP Code: 20176
Date Received: 2024-11-19T12:00:00-05:00
Date Sent to Company: 2024-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against XXXX and Experian for Reporting Inaccurate Information Dear Sir/Madam , I am writing to formally file a complaint against XXXX and Experian regarding the inaccurate reporting of information related to my XXXXXXXX credit card account. I believe that these inaccuracies violate the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681, which emphasizes the importance of accuracy and fairness in credit reporting. My XXXXXXXX credit card has a closing statement date on the XXXX of every month. However, I have noticed discrepancies in the information reported by both credit bureaus, leading to a significant drop in my credit score. Enclosed are my recent credit card statements and screenshots demonstrating that XXXX has deducted XXXX points from my credit score, while Experian has also shown incorrect updated information on my credit report. These inaccuracies have caused me undue stress and may affect my financial opportunities. I respectfully request that you investigate this matter and take appropriate action to ensure that XXXX and Experian correct these errors in my credit report. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,
Frequently Asked Questions
What is Complaint #10878452 about?
Complaint #10878452 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 2024-11-19T12:00:00-05:00.
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.