Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11317882
Complaint Overview
Complaint ID: 11317882
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: Delaware
ZIP Code: 197XX
Date Received: 2024-12-29T12:00:00-05:00
Date Sent to Company: 2024-12-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I reviewed my consumer reports and there are inaccuracies in the reports. There are accounts marked as 30 Days Late and I have never been late with any payments. I have always made on time payments on my accounts, I have never been late. Consumer reporting agencies are required by law to report accurate information. The law is being broken and my consumer rights are being violated. I am requesting a thorough investigation of these discrepancies with documented written evidence to prove these late payment accusations that legally support these consumer reporting agencies inaccurate claims. Please provide my original creditors financial statements with payment history logs of my accounts showing these late payments with the exact dates, and dollar amounts of the actual missed payments and when these late payments were actually received, as well as provide me with a written transcript of the recorded phone call conversations with the time, date and staff persons names of when these late payment discrepancies were reported to these consumer reporting agencies from the original creditors. The accounts in discrepancy is as follows : XXXX XXXX Services Account # XXXX Inaccurately Reporting as XXXX days late for XX/XX/year> & Inaccurately Reporting as XXXX Days Late for XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurately Reporting as XXXX Days Late for XX/XX/year> I have attached a copy of my passport, notarized affidavit of identity, screenshots of the credit reports showing the accounts and the negative XXXX day late reports. If you are unable to furnish the requested proof, I demand an immediate update of my payments to reflect the true on time paid as agreed/ never late status, as I have never been late on a payment. I have consistently upheld my payment obligations without delay. As I appreciate your prompt attention and action on this matter.
Frequently Asked Questions
What is Complaint #11317882 about?
Complaint #11317882 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 2024-12-29T12:00:00-05:00.
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.