Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13671899
Complaint Overview
Complaint ID: 13671899
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: 30094
Date Received: 2025-05-22T12:00:00-05:00
Date Sent to Company: 2025-05-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally escalate unresolved credit reporting issues that continue to appear on my credit file despite multiple disputes filed with the major consumer reporting agencies. The following information remains inaccurate or unverifiable, and I now seek intervention under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Firstly, several incorrect addresses are being associated with my profile, none of which I have ever occupied or used in any financial capacity. These addresses include : ( 1 ) XXXX XXXX XXXX XXXX, TN XXXX, ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, ( 3 ) XXXX XXXX XXXX, XXXX, TN XXXX, ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX and ( 5 ) XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX The repeated appearance of these addresses reflects noncompliance with the requirement for accurate reporting under 15 U.S.C. 1681e ( b ). Secondly, specific account entries remain disputed and uncorrected : ( 1 ) XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXX XXXX, is listed with a charge-off status and a balance of {$780.00} since XX/XX/XXXX. This entry lacks verification and remains uncorrected following dispute. ( 2 ) XXXX XXXX XXXX, account # XXXX XXXX XXXX, opened on XX/XX/XXXX, reports late payment activity that I have already challenged without a proper response or reinvestigation. ( 3 ) A hard inquiry by XXXX XXXX XXXX dated XX/XX/XXXX appears on my file without my authorization, violating permissible use guidelines under 15 U.S.C. 1681b. These inaccuracies are not only unjustified but have led to tangible harm including credit denials and undue stress. The reporting agencies ' failure to remove or correct these items upon dispute violates 15 U.S.C. 1681i and demonstrates willful noncompliance subject to civil liability under 15 U.S.C. 1681n. Moreover, the continued appearance of these items constitutes a continuing violation, which renews the statutory liability each day the inaccurate data persists. The dismissal of my previous disputes through unsubstantiated stall responses is not acceptable under federal law, and I reject any response from third parties not authorized to validate or verify reported data. I urge the Consumer Financial Protection Bureau to enforce compliance and ensure all disputed data is verified or removed immediately. I demand a full correction within ten ( 10 ) days from the receipt of this letter as provided under 15 U.S.C. 1681k and 1692k, failing which I will escalate the matter to the FTC, State Attorney General, and if necessary, pursue private remedies in federal court. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13671899 about?
Complaint #13671899 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 2025-05-22T12:00:00-05:00.
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.