Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13817140
Complaint Overview
Complaint ID: 13817140
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: Florida
ZIP Code: 34759
Date Received: 2025-05-30T12:00:00-05:00
Date Sent to Company: 2025-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
b'I am writing to request your assistance in enforcing my rights under the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.). Despite my formal dispute, Experian continues to report inaccurate information on my credit file.\n\nBackground & Dispute Details\n\nOn XXXX XXXX XXXX, I sent Experian a certifiedmail Pre-Arbitration Dispute Notice demanding correction of multiple closed accounts that remain reported as Open with latepayment notations.\nMy Certified Mail tracking number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX #XXXX).\nUnder FCRA 1681i, a consumer reporting agency must reinvestigate and correct or delete any information it cannot verify within 30 days. Experian has not responded or taken corrective action.\nAccounts at Issue\n\nCreditor\tAccount # (partial)\tIssue\nXXXX XXXX XXXX XXXX XXXX XXXX\tXXXXClosed/charged-off yet still Open with late payments through XXXX\nXXXX XXXX XXXX XXXX XXXX\tWritten-off but showing continued derogatory activity post-closure\nXXXX XXXX XXXX XXXX\tWritten-off but negative status persists with no verification\nXXXX XXXX XXXX XXXX XXXX\tCharged-off but reporting 30/60-day late payments in XXXX XXXX and beyond\n\nRequested Relief\n\nConduct a thorough reinvestigation of each disputed account.\nUpdate all account statuses to Closed where appropriate.\nDelete all late-payment notations that cannot be legally verified.\nProvide me written confirmation of your findings and actions taken within 15 days.\nExperians failure to correct these inaccuracies is causing financial harm and violates multiple sections of the FCRA. I request the CFPB open an investigation and compel Experian to comply with federal law.\n\nThank you for your prompt attention to this matter. Please let me know if you require any additional documentation.\n\nSincerely,\n\nXXXX XXXX
Frequently Asked Questions
What is Complaint #13817140 about?
Complaint #13817140 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 2025-05-30T12:00:00-05:00.
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.