Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14113267
Complaint Overview
Complaint ID: 14113267
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 York
ZIP Code: 10550
Date Received: 2025-06-16T12:00:00-05:00
Date Sent to Company: 2025-06-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute inaccurate and unauthorized information currently appearing on my consumer credit report. The accounts listed below appear to be the result of identity theft, fraud, or unverified activity. I demand that you immediately provide original documentation bearing my wet or electronic signature to validate each account, inquiry, and data point in question. Under the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S.C. 1681b ], you are not permitted to report or distribute consumer data without a legally permissible purpose. I did not authorize these accounts or inquiries, and you are now required to demonstrate proof of authorization or DELETE the entries immediately. Personal Information Being Challenged : Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX # XXXX, XXXX XXXX, NY XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX Incorrect Employer : XXXX XXXX Accounts Being Challenged : XXXX XXXXXXXX Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX Inquiries Being Challenged : XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have also noticed a repeated practice of issuing generic form letters in response to consumer disputes, which violates 15 U.S. Code 1681i. Each dispute must be individually investigated and properly verified. You can not delay or deny valid consumer disputes based on how the letter was drafted. I am the author of this communication, and any attempt to ignore or bypass your legal obligation will be viewed as willful noncompliance. You have 30 days to complete your investigation, DELETE unverifiable or unauthorized entries, and mail me an updated copy of my credit report showing these corrections. Failure to comply will result in complaints being filed with the CFPB, FTC, and consideration of civil legal action.
Frequently Asked Questions
What is Complaint #14113267 about?
Complaint #14113267 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 2025-06-16T12:00:00-05:00.
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.