Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11338039
Complaint Overview
Complaint ID: 11338039
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New Jersey
ZIP Code: 08096
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2024-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to address a serious matter concerning fraudulent information on my personal credit profile, which demands immediate correction. This request is not made in error but is in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. This is 100 % written by me using accessible software and information available to everyone. The inclusion of fraudulent data on my credit profile violates FCRA 1681e ( b ), which mandates credit bureaus to employ reasonable procedures for accurate reporting. I have not supplied proof under the doctrine estoppel by silence, and I presume that no evidence of the alleged debt exists, as per 18 USC 8. Your company 's actions also violate my consumer right to privacy ( 15 USC 1681b ( 2 ) ), and you lack permission report anything using my information ( 15 USC 1681 ( 4 ) ) am requesting copies of documents, including a detailed breakdown of Metro 2 requirements, to verify the accuracy of the accounts listed above. Under FCRA 1681g, I demand disclosure of your compliance with Metro 2 and all relevant documents recorded in your file. I emphasize that responding with claims of account verification is insufficient ; instead, provide copies of documents with my wet signature. The violation of these statutory requirements has severely undermined my creditworthiness, impacting my ability to secure necessary credit. Pursuant to FCRA 1681i, unverifiable and fraudulent accounts must be expunged from my credit report. Failure to adhere to these legal obligations grants me the right under FCRA 1681n and 16810 to seek both actual and punitive damages.
Frequently Asked Questions
What is Complaint #11338039 about?
Complaint #11338039 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-31T12:00:00-05:00.
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.