Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12727636
Complaint Overview
Complaint ID: 12727636
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: California
ZIP Code: 92119
Date Received: 2025-03-29T12:00:00-05:00
Date Sent to Company: 2025-03-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally report inaccuracies on my credit report. I recently reviewed my credit report and found discrepancies that I believe require correction. The inaccurate information is adversely affecting my credit score and may also impact my ability to access credit, loans, and other financial services. Seen in the attachment screenshot XXXX is reporting a 90 day late in XX/XX/XXXX on Experian, Trans Union , and Equifax but in XX/XX/XXXX TransUnion & Equifax does not report 90 days late but yet Experian does. A 30 day or 60 day late notice was never issued by XXXX. My three active loans from XXXX have been reported inaccurately. You'll also see some inaccuracies Dating back to XXXX of XXXX as well. I don't see how this is possible if all three credit bureaus should be reporting the same information.
Frequently Asked Questions
What is Complaint #12727636 about?
Complaint #12727636 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 2025-03-29T12:00:00-05:00.
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.