Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11376707
Complaint Overview
Complaint ID: 11376707
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: Texas
ZIP Code: 78660
Date Received: 2025-01-03T12:00:00-05:00
Date Sent to Company: 2025-01-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Experian for their continued reporting of an account associated with Government XXXX XXXX XXXX XXXX ( XXXX ) on my credit report. This account is being reported in violation of multiple consumer protection laws, and I hereby exercise my right to opt-out of having this account reported on my credit profile. XXXX. Lack of Permissible Purpose ( 15 U.S. Code 1681b ) : Under the Fair Credit Reporting Act ( FCRA ), Experian must have a permissible purpose to include information on my credit report. XXXX has failed to demonstrate any permissible purpose for reporting this account. I do not authorize XXXX or Experian to continue reporting this account, and I am formally opting out of its inclusion on my credit profile. XXXX. Obsolete and Inaccurate Reporting ( 15 U.S. Code 1681c ) : Experian is obligated to ensure the accuracy of information reported on credit files. XXXX refusal to honor lawful tender payments, as outlined under the XXXX XXXXXXXX and Commerce Code, effectively discharged the debt under Sec. XXXX. As such, Experian is reporting inaccurate information in violation of the FCRA. XXXX. Violation of Consumer Protections Under 12 CFR 1022.3 : Experian is required to maintain procedures to ensure accuracy and fairness in credit reporting. By failing to investigate or validate the legitimacy of XXXX claims, Experian has failed to meet these obligations. XXXX. Non-Compliance by XXXX XXXX XXXX XXXXXXXX and Commerce Code ) : The Loan and Security Agreement I entered with XXXX on XX/XX/XXXX, was governed by the XXXX XXXXXXXX and Commerce Code, Sec. 26.02. My tendered payments, including negotiable instruments sent on XX/XX/XXXX, with fiduciary instructions, were made pursuant to the following provisions : Sec. 3.603 ( Tender of Payment ) : My obligations were discharged when XXXX refused my payments without lawful basis. Sec. 3.604 ( Discharge by Cancellation or Renunciation ) : XXXX refusal to apply the payments constitutes a discharge under the law. Sec. XXXX ( Negotiable Instrument ) : The XXXX XXXX of XXXX satisfies the definition of a negotiable instrument. Despite these legal provisions, XXXX returned my tendered payments, claiming they do not accept this form of payment. This refusal has no basis in the original agreement, which does not restrict forms of payment under applicable law. XXXX. Experians Negligence and Willful Non-Compliance ( 15 U.S. Code 1681n, 1681o ) : Experians reporting of this account despite despite my opt-out request is causing me damages and constitutes : Willful Non-Compliance ( 1681n ) : By reporting inaccurate and outdated information, Experian knowingly violates FCRA requirements. Negligent Non-Compliance ( 1681o ) 6. Opt-Out Request : Pursuant to my rights under consumer protection laws, I am opting out of Experian reporting this account. XXXX has failed to establish permissible purpose under 15 U.S. Code 1681b, and its continued inclusion violates my rights. I request immediate removal of this account from my credit profile. Supporting Documents : Loan and Security Agreement with XXXX ( XX/XX/XXXX ). Copies of tendered payments and fiduciary instructions sent on XX/XX/XXXX. Registered mail receipt ( XXXX ). Correspondence with XXXX, including Opportunity to Cure ( XX/XX/XXXX ) and Notice of Default ( XX/XX/XXXX ). International Bill of Exchange and related instructions. Mail Fraud Report XXXX XXXX XXXX. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #11376707 about?
Complaint #11376707 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 2025-01-03T12:00:00-05:00.
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.