Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11498694
Complaint Overview
Complaint ID: 11498694
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: 30331
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
Experian Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. The inaccuracies pertain to the payment history for an account listed under XXXX XXXX . According to the report, the account was opened in XXXX of XXXX ; however, the payment history does not reflect this, and there are additional discrepancies regarding other details of the account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate disputes regarding the accuracy of information in a consumer 's file. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates that credit reporting agencies maintain maximum possible accuracy in consumer credit files. Please review and address the following inaccuracies : Account Opening Date : The account was opened in XXXX, XXXX but this is not reflected in the payment history. Date of Last Payment : The reported date of the last payment is incorrect. Last Payment Made : The payment amount recorded for the last payment is inaccurate. Last Payment Amount Received : The last payment amount received is incorrect and does not align with my account records. Date of Charge-Off : The charge-off date listed is incorrect and does not align with the account records. Amount Paid : The amount paid on the account is not accurately reported. Amount Past Due : The past-due amount is inaccurate. Account Rating : The rating assigned to this account is incorrect and requires correction. I have enclosed supporting documentation, including account statements, correspondence with the creditor, and other relevant evidence, to validate my claims. As mandated under the FCRA, you are obligated to investigate and correct any errors on my report within 30 days. Please conduct an investigation and provide me with an updated copy of my credit report reflecting the corrections. If additional information is needed, feel free to contact me via the information provided above. Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been resolved. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11498694 about?
Complaint #11498694 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.