Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10903507
Complaint Overview
Complaint ID: 10903507
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: California
ZIP Code: XXXXX
Date Received: 2024-11-22T12:00:00-05:00
Date Sent to Company: 2024-11-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Recently, I reviewed my credit report and identified several inaccuracies. As outlined under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information included in a consumer report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), the treatment of inaccurate or unverifiable information mandates the following : If, during a reinvestigation, any disputed information is found to be inaccurate or unverifiable, the consumer reporting agency must : Promptly delete or modify the information as appropriate. Notify the furnisher of the deleted or modified information. Under the Fair Credit Reporting Act ( FCRA ), all items in my credit file must be 100 % accurate and verifiable. Specifically : FCRA 611 ( a ) : Requires disputed items to be fully investigated for accuracy and completeness. FCRA 623 ( b ) ( 1 ) : States that if the furnishing party can not validate the disputed account as accurate, it must be removed immediately. Failure to comply with these requirements constitutes willful non-compliance under 15 U.S.C. 1681n, which carries penalties, including potential litigation and damages of {$1000.00} per violation. If these inaccuracies are not corrected or removed within 15 days of receiving this notice, I will take legal action to protect my rights. Furthermore, I am a victim of human trafficking and identity theft. Given these circumstances, I am requesting the immediate removal of the following items from my credit report : I appreciate your prompt attention to this matter. XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10903507 about?
Complaint #10903507 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-22T12:00:00-05:00.
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.