Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11180040
Complaint Overview
Complaint ID: 11180040
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 York
ZIP Code: 127XX
Date Received: 2024-12-16T12:00:00-05:00
Date Sent to Company: 2024-12-16T12:00:00-05:00
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 To : XXXX, Experian, XXXX, CFPB, and XXXX Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX XXXX To : Whom It May Concern, This letter serves as my third dispute regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX ). Despite my two previous disputes to XXXX, I have yet to receive a satisfactory resolution. I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX ), and the credit reporting agencies ( XXXX, Experian, and XXXX ) for further review and corrective action under the Fair Credit Reporting Act ( FCRA ). Key Points of My Dispute 1. Failure to Address My Prior Disputes : XXXX XXXX XXXX XXXX has ignored my previous disputes and failed to provide substantive evidence to justify the reported late payment. Despite my detailed requests, XXXX continues to assert the reporting is accurate without providing the necessary proof of compliance with FCRA requirements. 2. Violation of CFPB and FCRA Regulations : Under FCRA, 15 U.S.C. 1681s-2 ( a ), furnishers are required to ensure accuracy and respond to consumer disputes in a manner that includes proper investigation and evidence. XXXX has failed to provide proof of compliance with Regulation Z, specifically regarding the issuance of billing statements at least 21 days before the payment due date. 3. No Proof of Certified Mail Delivery : As required by 15 U.S. Code 1666b, XXXX must adopt reasonable procedures to ensure timely delivery of billing statements. I requested the certified tracking number or delivery proof for the periodic statement that allegedly informed me of the payment due on XX/XX/year>. XXXX admitted they do not use certified mail, which raises concerns about whether the statement was delivered at all.
Frequently Asked Questions
What is Complaint #11180040 about?
Complaint #11180040 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 2024-12-16T12:00:00-05:00.
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.