Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12360072
Complaint Overview
Complaint ID: 12360072
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: New York
ZIP Code: 11207
Date Received: 2025-03-06T12:00:00-05:00
Date Sent to Company: 2025-03-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. XX/XX/year> Social Security NumberXXXX Subject : Request for Verification To Whom It May Concern, I am writing to dispute the following information on my credit report. The items I dispute are also circled on the attached copy of the credit report I received. I am formally requesting you to Verify the accuracy of this account ( s ) as directed in the FCRA 15 USC 1681 e ( b ) which states - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Account Names & Number ( s ) : XXXX ( XXXX ) Your failure to provide the requested information within XXXX days of completing your investigation is a violation of the FCRA and subjects you to potential legal action for non-compliance. Be advised that any vague or non-specific explanations, such as verified through our automated system, are unacceptable and non-compliant with the FCRA. If the disputed information can not be verified, the law requires you to promptly delete it from my credit report. If you do not cease reporting these items, I will consider taking further action to ensure compliance, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and potentially initiating legal proceedings. I am aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue all legal remedies to ensure these rights are upheld. Your prompt attention to this matter is expected. Sincerely. My contact information is as follows : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. **Enclosed** - A Copy of valid driver 's license/state ID/passport, SSN card, and proof of residence & a copy of the page on your credit report with the disputed items circled.
Frequently Asked Questions
What is Complaint #12360072 about?
Complaint #12360072 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 2025-03-06T12:00:00-05:00.
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.