Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12185629
Complaint Overview
Complaint ID: 12185629
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: Florida
ZIP Code: 32806
Date Received: 2025-02-23T12:00:00-05:00
Date Sent to Company: 2025-02-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Due to the false and unverified late payments being reported on my credit file, I have been denied credit, higher limits, and financial opportunities. This violates 15 U.S.C. 1681o, which allows consumers to seek damages for negligent reporting of inaccurate credit information. If these unverified late payments are not immediately deleted, I will be pursuing legal action for financial harm caused by their negligence. Violations Committed by the Credit Bureaus : 15 U.S.C. 1681o Consumers have the right to seek damages for inaccurate reporting. 15 U.S.C. 1681i ( a ) Credit bureaus must verify or delete, yet they continue to report inaccurate data.
Frequently Asked Questions
What is Complaint #12185629 about?
Complaint #12185629 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 2025-02-23T12:00:00-05:00.
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.