Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11204114
Complaint Overview
Complaint ID: 11204114
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: Ohio
ZIP Code: 43081
Date Received: 2024-12-17T12:00:00-05:00
Date Sent to Company: 2024-12-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Experian and XXXX XXXX XXXXXXXX for inaccurately reporting a late payment for XX/XX/year> on my credit report, which violates the CARES Act and the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has harmed my credit score, financial standing, and opportunities to secure credit. I have previously disputed this matter with Experian but have not received a satisfactory resolution. Details of the Complaint : Violation of the CARES Act ( Section 4021 ) : During the COVID-19 pandemic, I was under financial hardship and was placed on a relief/forbearance plan in accordance with the CARES Act. The CARES Act prohibits creditors from reporting late payments for accounts placed under forbearance or deferment plans. XXXX XXXX XXXXXXXX failed to comply with this provision by reporting my account as late for XX/XX/year>. Inconsistency Between Credit Bureaus : The late payment is only reported by Experian. Both XXXX and XXXX show my account as current, which highlights the inaccuracy and lack of verification by Experian. Violations of the FCRA : 15 U.S.C. 1681e ( b ) : Experian failed to ensure the accuracy of my credit report by accepting and reporting false information. 15 U.S.C. 1681i ( a ) : I formally disputed this error with Experian, and they failed to investigate and correct the inaccurate information within the legally required 30-day timeframe. Impact on My Credit : This inaccurate reporting has caused a significant drop in my credit score, negatively affecting my ability to secure credit opportunities and financial stability during a challenging time.
Frequently Asked Questions
What is Complaint #11204114 about?
Complaint #11204114 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 2024-12-17T12:00:00-05:00.
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.