Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12391515
Complaint Overview
Complaint ID: 12391515
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: Louisiana
ZIP Code: 700XX
Date Received: 2025-03-09T12:00:00-05:00
Date Sent to Company: 2025-03-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Certainly! Heres a template for a complaint letter to the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX XXXX Department XXXX XXXX XXXX. XXXX, XXXX Dear Sir/Madam, I am writing to formally file a complaint against [ Name of Company or Institution ] regarding an issue I have encountered with their [ Credit Report and Score ]. I believe that their actions/inactions have violated my rights as a consumer, and I am seeking your assistance in resolving this matter. Nature of Complaint : I verbal contact them on the phone asking to disputed all 14 negative items and all inaccurate information on my credit report and remove all old address i explained that it was illegal according to fair credit act 15 : U.S.C.1681 and 15.U.S.C.1682 both verbally and writing! and how they failed to resolve the issue. ]. I made multiple attempts verbally in in writing Attempts to Resolve i called and submitted disputes I reached out to Equipfax customer service on XX/XX/XXXX and was told that it was hindering me and that I cant get a place to live because of it However, they have failed to remove the bad and negative items off my credit report despite my repeated requests.both verbally and in writing a disputed Impact it's has emotional draining for me I i can't get a vehicle or a place to live because it I'm XXXX XXXX XXXX XXXX As a result of this unresolved issue, I have faced financial hardship due in the middle of a divorce to the erroneous charge, and I have spent considerable time and effort trying to resolve the matter with I respectfully request that the CFPB investigate this matter and assist in resolving it. Specifically, I would like [ state your desired outcome, such as a refund, cancellation of charges, etc. ]. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. Sincerely, XXXX XXXX XXXX -- - You can fill in the details according to your specific situation. Make sure to include any relevant documentation that supports your complaint when sending it to the CFPB.
Frequently Asked Questions
What is Complaint #12391515 about?
Complaint #12391515 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 2025-03-09T12:00:00-05:00.
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.