Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12657940
Complaint Overview
Complaint ID: 12657940
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: 33314
Date Received: 2025-03-25T12:00:00-05:00
Date Sent to Company: 2025-03-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute multiple inaccurate and unverifiable items on my credit report, as detailed in the accompanying documentation. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which mandates that credit reporting agencies conduct a reasonable investigation and correct or remove any inaccurate information. Furthermore, under FCRA Section 1681e ( b ), I am entitled to a credit report that is accurate and reflects only verified information. Additionally, I assert that the Fair Debt Collection Practices Act ( FDCPA ), under Section 1692e, has been violated by continuing to report inaccurate and unverifiable data, which constitutes an unfair and deceptive practice. I have made previous written requests to have these items removed or corrected, but no substantial action has been taken. As a result, my credit report contains false entries, including data relating to fraud and identity theft, and I demand an immediate update and rapid rescore of my credit report to reflect the accurate status of my credit history. Failure to comply with this demand will leave me no choice but to pursue legal action, including litigation for violations of consumer rights and failure to adhere to the FCRA and FDCPA. Please consider this my formal request for a thorough investigation and the removal of the disputed items. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12657940 about?
Complaint #12657940 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 2025-03-25T12:00:00-05:00.
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.