Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11491926
Complaint Overview
Complaint ID: 11491926
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: Virginia
ZIP Code: 20176
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
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against Experian for Violating the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to file a formal complaint against Experian for inaccurately reporting information on my credit report and failing to correct these inaccuracies, despite being provided with sufficient evidence. Experians actions constitute violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 et seq. Issue Details Experian has reported an incorrect balance of {$17.00} for my XXXX Secured Credit Card ( Account No. ending in XXXX ) as of XX/XX/year>, despite the account having a {$0.00} balance. I have attached : My Experian credit report dated XX/XX/year>, reflecting the inaccurate {$17.00} balance. A screenshot from the XXXX application showing the correct {$0.00} balance and {$200.00} available credit. This inaccuracy has impacted my overall credit usage calculation, which is reported as 9 % instead of the accurate 0 %. Violations of the FCRA Experian has failed to meet its obligations under the FCRA in the following ways : 1. Failure to Ensure Accuracy ( 1681e ( b ) ) : Experian is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. By failing to update the correct balance for my account, Experian has violated this requirement. 2. Failure to Conduct a Proper Investigation ( 1681i ) : I previously disputed this inaccuracy with Experian and provided supporting evidence. However, they failed to correct the error, violating their duty to investigate and resolve disputes. 3. Willful Noncompliance ( 1681n ) : Experians continued reporting of incorrect information, despite being notified, suggests willful noncompliance with their legal obligations under the FCRA. Requested Resolution I request the CFPB to take the following actions : 1. Investigate Experians handling of my credit report dispute. 2. Require Experian to correct the inaccurate reporting of my XXXX Secured Credit Card balance and ensure accurate reporting moving forward. 3. Impose appropriate penalties on Experian for willful noncompliance under 1681n, including damages for the harm caused to my creditworthiness and reputation. Supporting Evidence Please find attached : 1. Experian credit report dated XX/XX/year>. 2. Screenshot of my XXXX Secured Credit Card account showing a {$0.00} balance. 3. Other relevant documents related to this matter. I appreciate the CFPBs attention to this matter and look forward to a prompt resolution. Thank you
Frequently Asked Questions
What is Complaint #11491926 about?
Complaint #11491926 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.