Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13728032
Complaint Overview
Complaint ID: 13728032
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: New Jersey
ZIP Code: 07109
Date Received: 2025-05-26T12:00:00-05:00
Date Sent to Company: 2025-05-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I discovered multiple inaccurate and unverifiable negative items reporting on my credit report with TransUnion, Experian, and Equifax. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts are reporting with incorrect balances, outdated or misleading statuses ( e.g., charge-offs, collections ), and no documentation to prove their accuracy or legitimacy. On or around XX/XX/year>, I reviewed my TransUnion credit report and noted : A collection reported by XXXX XXXX XXXX XXXX XXXX with a balance of {$8200.00} for XXXX XXXX. A XXXX XXXX XXXX collection for {$1000.00} related to XXXXXXXX XXXX A closed XXXX XXXX XXXX XXXX account previously charged off. I sent multiple formal disputes by certified mail to all three credit bureaus under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically citing Sections 609 and 611. I also invoked Metro 2 compliance standards, demanding that all data be verified using proper coding and legal documentation. I requested original signed contracts or agreements to validate each debt. None of the credit bureaus provided the required source documentation. In some cases, the bureaus marked the items as verified without proving their accuracy or permissible purpose. This is a direct violation of my consumer rights. In addition, I requested the removal of outdated addresses that were incorrectly tied to old accounts. I also disputed several unauthorized hard inquiries that were made without my knowledge or permission, which violate FCRA Section 604.Despite my good-faith efforts to resolve these issues, the accounts remain on my report and are severely damaging my credit score and ability to obtain housing or credit. I have also submitted a hardship-based forgiveness letter to the collection agency due to financial difficulty, unemployment, and housing instability, with no response to date
Frequently Asked Questions
What is Complaint #13728032 about?
Complaint #13728032 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 2025-05-26T12:00:00-05:00.
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.