Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12443851
Complaint Overview
Complaint ID: 12443851
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: 10031
Date Received: 2025-03-11T12:00:00-05:00
Date Sent to Company: 2025-03-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing inaccurate and unfair negative items on my credit report, including closed accounts, chargebacks, late payments, and collections. These accounts contain errors, unverifiable information, or violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Closed Accounts & Chargebacks : These accounts were closed and should not be negatively impacting my credit. Some contain chargebacks that were resolved, yet they remain as derogatory marks. Late Payments : The reported late payments are inaccurate or unverifiable and should be removed. Under 15 U.S.C. 1681c, I request an investigation and correction. Collections : Account # XXXX and other collection accounts were placed in violation of 15 U.S.C. 1692c ( unlawful communications ). The debt collectors failed to validate the debt as required by 15 U.S.C. 1692g. Some collections are not mine, were settled, or contain reporting errors.
Frequently Asked Questions
What is Complaint #12443851 about?
Complaint #12443851 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 2025-03-11T12:00:00-05:00.
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.