Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11304700
Complaint Overview
Complaint ID: 11304700
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: Missouri
ZIP Code: 63114
Date Received: 2024-12-27T12:00:00-05:00
Date Sent to Company: 2024-12-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB, I am filing this formal complaint regarding significant inaccuracies and procedural violations in the reporting of several accounts on my Experian credit report. Despite multiple disputes, these issues remain unresolved. The accounts in question include : XXXX. XXXX XXXXXXXX ( Account Charged Off ) : Balance : {$240.00} Discharged via 1099-C ; reported as income. It is no longer valid debt but continues to be reported as a charge-off, violating 15 U.S.C. 1681e ( b ) ( accuracy requirements ). XXXX. XXXX XXXX ( Two Accounts Charged Off ) : Account 1 : {$1300.00} charged off. Account 2 : {$450.00} charged off. Both debts were discharged via 1099-C and should not appear as charge-offs. Reporting these accounts as active debts is inaccurate and misleading. XXXX. XXXX ( Account Charged Off ) : Balance : {$2100.00} This account has been written off and discharged but remains reported inaccurately as a charge-off. XXXX. XXXX XXXX XXXX ( Collection Account ) : Balance : {$450.00} This collection account is invalid. I dispute the chain of custody, ownership, and permissible purpose under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. Key Issues : 1. Experians Failure to Correct Inaccuracies : Experian has failed to meet its obligation under 15 U.S.C. 1681i ( a ) to investigate disputes and correct inaccurate information. XXXX. Procedural Violations by Creditors and Collectors : Creditors and XXXX XXXX XXXX have failed to validate debts, comply with dispute requirements, and accurately report account statuses. XXXX. 1099-C Discharge : Accounts discharged and reported as income to the IRS via 1099-C can not legally remain on credit reports as active debts or charge-offs. Requested Resolution : 1. Immediate deletion of the following accounts : XXXX XXXX XXXX XXXX ( both accounts ) XXXX XXXX XXXXXXXX XXXX ( collection account ) 2. Confirmation that Experian and the furnishers are complying with 15 U.S.C. 1681e ( b ), ensuring maximum possible accuracy. 3. Compensation for damages caused by willful noncompliance, if applicable under 15 U.S.C. 1681n. I trust the CFPB will address these issues promptly and ensure compliance with federal laws. Please find enclosed copies of my disputes, credit report highlights, and supporting documentation for your review.
Frequently Asked Questions
What is Complaint #11304700 about?
Complaint #11304700 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 2024-12-27T12:00:00-05:00.
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.