Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11891014
Complaint Overview
Complaint ID: 11891014
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: Alabama
ZIP Code: 36701
Date Received: 2025-02-01T12:00:00-05:00
Date Sent to Company: 2025-02-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently viewed my XXXX credit reports and noticed several several late payments and inaccuracies reporting on my credit report .This complaint is being filed with the CFPB based on requirements of the Fair Credit Reporting act. According to ( 15 USC 1681s-2 ) and Fair Credit Reporting Act these inaccuracies must be removed. As well as ( 15 U.S.C 1666b ) on timing of payments according to ( 15 U.S.C 1637b ). The FCRA specifically states the responsibilties of all furnishers of information to consumer reporting agencies as well as the provisions of negative information in 15 U.S.C 1681 s-2. My consumer report must not reflect any negative inaccurate information that compromises my consumer report creditworthiness. The aforementioned are as follows, an account with XXXX XXXX XXXX ending in XXXX showing XXXX late payments also a XXXX XXXX XXXX account ending in XXXX reporting XXXX late payments. All of the aforementioned negative reports are reporting inaccurate information.
Frequently Asked Questions
What is Complaint #11891014 about?
Complaint #11891014 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 2025-02-01T12:00:00-05:00.
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.