Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13206058
Complaint Overview
Complaint ID: 13206058
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: Georgia
ZIP Code: 30058
Date Received: 2025-04-27T12:00:00-05:00
Date Sent to Company: 2025-04-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to maintain the maximum possible accuracy of the information contained in my credit reports, as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit files, I found multiple unauthorized and inaccurate accounts, outdated addresses, and hard inquiries reported without my consent. Specifically, items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and multiple collection agencies appear across my credit reports. Additionally, several previous addresses and unauthorized hard inquiries from XXXX XXXX and XXXX XXXX were listed. These reports were made without permissible purpose and without my written authorization, violating 15 U.S.C. 1681b and 1681c. I formally disputed these inaccuracies and issued an opt-out notice to each bureau, demanding that they delete the disputed accounts, addresses, and inquiries, and cease any further unauthorized reporting of my personal information. Despite providing detailed disputes and invoking my rights under the FCRA and the Privacy Act of 1974 ( 5 U.S.C. 552a ), the bureaus have not adequately corrected the records or provided sufficient verification of the disputed items. Their failure to correct and remove these unauthorized and inaccurate items has negatively impacted my creditworthiness, caused financial hardship, and subjected me to emotional distress. I am requesting the CFPBs assistance in enforcing my consumer rights. I respectfully ask that the CFPB investigate these violations and ensure that Equifax, Experian, and TransUnion : Permanently delete the inaccurate accounts, addresses, and hard inquiries ; Cease reporting my personal information without explicit written consent ; Provide an updated and corrected copy of my credit reports free of charge. If these issues are not resolved promptly, I am prepared to pursue all remedies available under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13206058 about?
Complaint #13206058 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 2025-04-27T12:00:00-05:00.
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.