Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14030646
Complaint Overview
Complaint ID: 14030646
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: Tennessee
ZIP Code: 38125
Date Received: 2025-06-11T12:00:00-05:00
Date Sent to Company: 2025-06-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because there are inaccurate, incomplete, or unverifiable accounts listed on my credit report that are damaging my credit profile. I previously disputed these items with the credit bureaus and/or furnishers, but they were either verified without proper investigation or not corrected as required by the Fair Credit Reporting Act ( FCRA ). Specifically, these accounts do not meet the standards of accuracy or verifiability outlined under FCRA Sections 609 and 611. I requested validation or documentation to prove the legitimacy of these accounts, but either received none or received generic responses without sufficient proof. I am requesting that the Consumer Financial Protection Bureau open an investigation into the credit bureaus and/or furnishers for failing to : Conduct a reasonable investigation of my disputes, Provide adequate documentation verifying the accounts, and Remove unverifiable or inaccurate items from my file as required by law. Until proper verification is provided, I am requesting the deletion of these disputed items from my credit reports. Please assist in ensuring that my rights as a consumer under the FCRA are upheld and that the credit reporting agencies and furnishers are held accountable. Thank you.
Frequently Asked Questions
What is Complaint #14030646 about?
Complaint #14030646 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 2025-06-11T12:00:00-05:00.
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.