Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13330122
Complaint Overview
Complaint ID: 13330122
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: 94588
Date Received: 2025-05-04T12:00:00-05:00
Date Sent to Company: 2025-05-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX, will not respond with any information. Im requesting these accounts be blocked and removed permanently XXXX account ending in XXXX second XXXX account ending in XXXX. Im requesting validation may pursuant to the fair debt collection practices act please know that I am requesting validation that is competent evidence bearing my signature showing that I have or ever has some contractual obligation to pay you. Please also be aware that any negative XXXX found on my credit reports, including XXXX XXXX experience, XXXX from your company or any company that you represent for debt that I dont owe is a violation of the fair debt collection practices act FDCPA And the fact that XXXX XXXX Experian and XXXX knows that charge offs Are considered income As defined by IRS XXXX the IRS considers a charge of to be income either a gross or ordinary income like this doesnt belong on consumer credit report so this information on my report isnt accurate by IRS rules any canceled debt or charge of is classified as income reporting as debt is incorrect, according to 15 usc 1681 5 ~2 account name as a provider of information to a credit reporting agency is prohibited by law from sharing an accurate information on requesting that you delete both accounts
Frequently Asked Questions
What is Complaint #13330122 about?
Complaint #13330122 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 2025-05-04T12:00:00-05:00.
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.