Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10987691
Complaint Overview
Complaint ID: 10987691
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: New Mexico
ZIP Code: 88240
Date Received: 2024-12-01T12:00:00-05:00
Date Sent to Company: 2024-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below are the specific issues with this account : 1. Late Payments Reported on a Closed, Paid Account : Despite the account being marked as Closed with a {$0.00} balance and Current payment status, the payment history includes multiple 30-day late marks. If the account is paid and closed, late payments should not persist unless accurate and verifiable. 2. Inconsistent Comments Across Bureaus : XXXX : Closed. Experian : Subscriber reports dispute resolved - consumer disagrees. XXXX : Closed or paid account/zero balance XXXX. These comments are inconsistent and may mislead lenders about the resolution of disputes. XXXX. Failure to Properly Update or Resolve Disputes : Dispute-related comments remain on the account, even though it has been resolved and paid. This suggests a failure to update the status, violating the FCRAs accuracy standards. 4. Inconsistent Reporting Across Bureaus : Minor discrepancies in dates, such as the Date Last Active and Last Reported dates, differ slightly among the bureaus. While this might seem minor, it reflects a lack of synchronization. Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The inconsistencies in comments, late payments, and reporting dates violate this requirement. 2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If disputes have been filed and inaccuracies persist, the credit bureaus may have failed to investigate and correct the errors properly. 3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may have furnished inaccurate or misleading information regarding payment history and dispute resolution. 4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the late payments are outdated or unverifiable, they should not appear on the report.
Frequently Asked Questions
What is Complaint #10987691 about?
Complaint #10987691 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 2024-12-01T12:00:00-05:00.
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.