Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10961455
Complaint Overview
Complaint ID: 10961455
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: North Carolina
ZIP Code: 275XX
Date Received: 2024-11-27T12:00:00-05:00
Date Sent to Company: 2024-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, XXXX XXXX, identified multiple violations of my rights under the FCRA and related federal regulations due to inaccurate and unauthorized reporting on my credit report. The violations include : FCRA Section 616 - Civil Liability for Willful Noncompliance : Credit information about me was accepted and reported without proper verification, demonstrating willful noncompliance. FCRA Section 603 ( d ) ( 2 ) ( A ) : My right to opt out of sharing personal information was not disclosed, which is deceptive and a violation of my consumer rights. FCRA Section 623 ( a ) ( 3 ) : Inaccurate accounts and inquiries were reported without proper validation. Debt Collection Practices Violations : Harassment and unfair practices occurred through the reporting of inaccurate debts. Third-Party Contact Violations : My debt information was improperly disclosed to third-party agencies. Timely Payment Violations : " Late payments '' were reported inaccurately, without clear definitions or validation. Finance Charge Errors : Finance charges were calculated incorrectly. Unauthorized Inquiries : Hard inquiries appeared on my report without my consent, violating permissible purposes under 15 USC 1681b ( a ) ( 2 ). Actions Requested : Corrections to Personal Information : I demand the immediate deletion of outdated or incorrect addresses. Late Payment Updates : I request that late payments for multiple accounts be updated as " paid as agreed, never late. '' Validation of Debts : Debt collectors must provide validation under 15 USC 1692g, including original contracts or applications bearing my signature. Without proof, these entries must be removed from my report. Removal of Unauthorized Hard Inquiries : All hard inquiries made without my authorization must be deleted. General Cleanup : I expect the removal of all inaccurate and unauthorized accounts from my credit report. XXXX XXXX : I demand immediate corrective action to address these violations. If the necessary updates and validations are not provided, I will pursue legal remedies under the FCRA to enforce my rights and seek compensation for noncompliance.
Frequently Asked Questions
What is Complaint #10961455 about?
Complaint #10961455 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 2024-11-27T12:00:00-05:00.
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.