Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11491918
Complaint Overview
Complaint ID: 11491918
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: 2025-01-12T12:00:00-05:00
Date Sent to Company: 2025-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Dear CFPB, I am writing to formally dispute inaccuracies and inconsistencies within my credit reports as maintained by XXXX, Experian, and XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), and I request your intervention to ensure that my rights as a consumer are upheld. Below, I have detailed the disputed accounts, the inaccuracies, and the corrective actions requested. Disputed Accounts : XXXX. XXXX XXXX XXXX Inaccuracies : Discrepant balances Payment status inconsistencies FCRA Violation : Section 607 ( b ) ( Accuracy Obligation ), Section 609 and Section 611 ( Verification ). Action Requested : I request immediate verification of the balance and payment status. If verification can not be completed, I demand removal of this account. XXXX. XXXX XXXX XXXX XXXX Inaccuracies : XXXX exceeds credit limit, creating inaccurate utilization. FCRA Violation : Section 609 and Section 607 ( b ). Action Requested : Please verify the credit utilization and payment history for accuracy or remove this account from all reports. 3. Grain Technology Inaccuracies : Payment status inconsistencies FCRA Violation : Section 607 ( b ) and Section 611. Action Requested : I demand immediate verification or deletion of this account. 4. Lead Bank Inaccuracies : Varying levels of late payments across bureaus. FCRA Violation : Section 609 and Section 607 ( b ). Action Requested : Please verify the late payments or remove this account from all credit reports. XXXX. XXXX XXXX Inaccuracies : Payment status Missing or inconsistent details in the XXXX payment history across bureaus. FCRA Violation : Sections 607 ( b ) and 609. Action Requested : Verify the payment history and status for this account. If discrepancies can not be resolved, I demand its removal. XXXX. XXXX ( XXXX ) Inaccuracies : Balance : {$XXXX} reported as exceeding the credit limit of {$XXXX}. Payment status : Continuous charge-offs reported across all bureaus. Derogatory events vary between bureaus. FCRA Violation : Sections 605 ( a ) ( 5 ), 607 ( b ), and 609. Action Requested : I request verification of the charge-off reporting and utilization accuracy. If verification can not be completed, the account should be removed. XXXX. Accion Inaccuracies : Payment status XXXX : {$XXXX} with utilization exceeding XXXX %. FCRA Violation : Sections 607 ( b ) and 609 Action Requested : I request verification of the balance and payment status. If the information is unverifiable, I demand the account be removed. 8. XXXX XXXX ( Account Ending in XXXX ) Balance : {$XXXX} ( Charged-off, past due ). Issues : The account has been reported as charged-off and past due for over XXXX months without proper validation of the debt. FCRA Violations : Section 611 : Failure to verify the account. Section 623 ( a ) : Reporting inaccurate and unverifiable information. XXXX Requested : Remove this account from my credit report due to its unverifiable status. XXXX. XXXX XXXX ( Account Ending in XXXX ) Balance : {$XXXX} ( Charged-off, past due ). Issues : The reported past due amount is inconsistent across bureaus, and the balance remains unverifiable. FCRA Violations : Section 607 ( b ) : Inaccurate reporting of the balance and past due amounts. Section 623 ( b ) : Failure to verify disputed information. Action Requested : Remove this account due to inconsistent reporting. XXXX. XXXX XXXX ( Account Ending in XXXX ) Balance : {$XXXX} ( Charged-off, past due ). Issues : Payment status and balance reporting inconsistencies across bureaus. FCRA Violations : Section 623 ( a ) ( 1 ) : Inaccurate and unverifiable reporting. Action Requested : Remove this account due to its unverifiable discrepancies. XXXX. XXXX XXXX ( Account Ending in XXXX ) Balance : {$XXXX} ( Charged-off, past due ). Issues : Disputed charge-off balance and lack of validation. FCRA Violations : Section 611 : Failure to verify the debt. Section 623 ( a ) : Reporting unverifiable charge-off balances. Action Requested : Remove this account for non-compliance with FCRA validation requirements.
Frequently Asked Questions
What is Complaint #11491918 about?
Complaint #11491918 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 2025-01-12T12:00:00-05:00.
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.