Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13963778
Complaint Overview
Complaint ID: 13963778
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: Michigan
ZIP Code: 48322
Date Received: 2025-06-08T12:00:00-05:00
Date Sent to Company: 2025-06-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is my third formal request regarding the inaccurate charge-off information currently reported on my credit file. I have previously sent two certified dispute letters requesting an investigation and removal of this inaccurate data in accordance with the Fair Credit Reporting Act ( FCRA ), but I have yet to receive a response or confirmation of action taken. This continued lack of response is a violation of my rights under 15 U.S. Code 1681i, which requires a reinvestigation within 30 days. I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are protected and to request the immediate removal of the inaccurate account information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13963778 about?
Complaint #13963778 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 2025-06-08T12:00:00-05:00.
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.