Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11377345
Complaint Overview
Complaint ID: 11377345
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: Georgia
ZIP Code: XXXXX
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
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Experian Subject : Formal Dispute of Bankruptcy Reported on Credit File Dear Experian Dispute Resolution Department, I am writing to formally dispute the bankruptcy listed on my credit file as it appears to be erroneous and unverifiable. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I demand immediate action to address this issue. Applicable Laws Supporting This Dispute : 1. 15 U.S.C. 1681c-2 : This section requires prompt removal of fraudulent information once identified. 2. 15 U.S.C. 1681i ( a ) ( 2 ) ( B ) : Mandates the credit reporting agency to forward relevant dispute information to the furnisher. 3. 15 U.S.C. 1681q : Prohibits knowingly and willfully providing false information to a consumer reporting agency. 4. 18 U.S.C. 1028A : Addresses aggravated identity theft, applicable if this bankruptcy was fraudulently associated with my identity. My Demands : 1. Conduct a thorough investigation and provide proof of the bankruptcys validity, including the original court order and any supporting documentation. 2. Remove this bankruptcy from my credit file immediately if verification is not possible within the required timeframe. 3. Provide me with the results of your investigation in writing. I have enclosed a copy of my identification and proof of address to facilitate this process. Please be aware that failing to comply with the laws mentioned above constitutes a violation, and I am prepared to escalate this matter to regulatory authorities and pursue legal remedies, if necessary. This matter is urgent and must be resolved within the statutory period of 30 days, as required under the FCRA. Failure to do so will result in further action. You may contact me via mail at the address above or by phone at ( XXXX ) XXXX if you require additional information. Sincerely, XXXX XXXX XXXX Please read the laws in this letter not verified read it!!!
Frequently Asked Questions
What is Complaint #11377345 about?
Complaint #11377345 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.