Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13956527
Complaint Overview
Complaint ID: 13956527
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: Texas
ZIP Code: 76548
Date Received: 2025-06-07T12:00:00-05:00
Date Sent to Company: 2025-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I recently received a copy of my credit report and noticed several inaccuracies, unauthorized accounts/information and charge offs reporting to my credit report. These remarks have been detrimental to my life and credit health. According to 15 usc 1681, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiples times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information, I requested, even with my other complaint they never sent verification on debt, the original Contract bearing signature & explanation of the amount and how it was calculated. I am writing to file a formal complaint regarding inaccurate information being reported on my credit file by Experian / Equifax / TransUnion. Despite my efforts to resolve this directly with the credit bureau and/or the data furnisher, the issue remains unresolved, and the inaccurate information continues to negatively impact my credit report. Credit Bureau Involved : Experian XXXX Equifax / TransUnion NEGATIVE ACCOUNTS ARE : TransUnion : XXXX XXXXXXXX, Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX I submitted a formal dispute with Experian / Equifax / TransUnion and included the appropriate supporting documentation XXXX The bureau responded on XX/XX/year> However, they failed to correct or remove the inaccurate item, despite clear evidence. I resubmitted on XX/XX/year> and The credit bureau responded on XX/XX/year>. I resubmitted a XXXX time on XX/XX/year> and they responded back on XX/XX/year>. This situation is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and integrity of the information they report. Their failure to conduct a reasonable investigation and correct the error is unacceptable and damaging to my credit standing. Thank you for your time and assistance. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13956527 about?
Complaint #13956527 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 2025-06-07T12:00:00-05:00.
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.