Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10928620
Complaint Overview
Complaint ID: 10928620
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: Alabama
ZIP Code: 35126
Date Received: 2024-11-21T12:00:00-05:00
Date Sent to Company: 2024-11-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, XXXX XXXX, discovered several violations of the Fair Credit Reporting Act ( FCRA ) and related laws that directly impacted my credit report and personal information. Heres a summary of the issues : Failure to Verify Credit Information : Under FCRA Section 616, I found that inaccurate credit information was accepted and reported without being verified for accuracy, which constitutes willful noncompliance. Lack of Disclosure Regarding Personal Information : As per FCRA Section 603 ( d ) ( 2 ) ( A ), my right to opt out of sharing personal information was not disclosed, violating my consumer rights. Reporting Inaccurate Information : In accordance with FCRA Section 623 ( a ) ( 3 ), deceptive and inaccurate inquiries and accounts were furnished to my credit report without proper validation. Unfair Practices and Harassment : Debt collection activities violated the Debt Collection Practices Act, including reporting false debts and accounts, leading to undue distress and unwanted contact from creditors. Unauthorized Sharing of Debt Information : Debt collectors disclosed my information to third parties, breaching regulations on acquiring location information and privacy. Improper Late Payment Reporting : Late payments were reported without clear definitions, violating the principle of accuracy and misleading creditors. Incorrect Finance Charges : The credit reporting agencies failed to determine finance charges accurately, which is required under the law. Unauthorized Reporting : Information was reported on my credit report without obtaining my written consent, violating FCRA provisions on permissible purposes for consumer reports. These issues have led me to demand corrections, including updating late payments to reflect accurate payment histories, removing unauthorized or inaccurate accounts, and deleting unauthorized hard inquiries and incorrect personal information. I expect the credit reporting agencies to comply promptly with these requests to rectify these violations. If they fail to do so, I am prepared to pursue all legal remedies available under the FCRA and related laws.
Frequently Asked Questions
What is Complaint #10928620 about?
Complaint #10928620 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 2024-11-21T12:00:00-05:00.
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.