Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14137386
Complaint Overview
Complaint ID: 14137386
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: Georgia
ZIP Code: 30331
Date Received: 2025-06-17T12:00:00-05:00
Date Sent to Company: 2025-06-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am filing this formal complaint against Experian, a consumer credit reporting agency, for reporting an invalid and unverified collection account on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq.. The collection is being reported by XXXX, a company with which I have never conducted business or held any financial obligation. Collection Account in Dispute Creditor/Furnisher : XXXX Reported Balance : {$3300.00} Reported Date : XX/XX/year> Status : Closed I have never opened or agreed to any account with XXXX. I have never received a bill, communication, or notice from this entity. The account is not known to me, and no contractual relationship exists between me and this company. Its appearance on my Experian credit report is inaccurate, unverified, and XXXX to my creditworthiness. I dispute the legitimacy of this account entirely. Violations of the Fair Credit Reporting Act ( FCRA ) Experian is in violation of the following FCRA provisions : XXXX. FCRA XXXX ( a ) Duty to Reinvestigate I have submitted a formal dispute to Experian regarding this account and have requested validation. Experian has failed to produce proof such as a signed agreement, payment history, or any legal basis for furnishing this data. XXXX. FCRA XXXX ( b ) Duty to Ensure Maximum Possible Accuracy Experian has reported an account with no verified origin or supporting documentation, thus failing in its obligation to ensure that only accurate and verifiable information is included on my consumer file. XXXX. FCRA XXXX ( b ) Furnishers Duties XXXX Notice XXXX XXXX XXXX Experian has XXXX notice from me or through a furnisher that a dispute exists, it is required to investigate and update or remove unverifiable information. As of this filing, no sufficient investigation or correction has occurred. XXXX and Concerns This collection account is XXXX impacting my XXXX XXXX and financial reputation. The presence of such a high-balance collection itemparticularly XXXX that is closed and unknownmay lead to denials of credit, increased interest rates, or false judgments about my financial responsibility. Additionally, the continued reporting of an account that can not be validated raises serious concerns about data integrity and Experians compliance with the law. This unresolved inaccuracy contributes to XXXX XXXX and reputational XXXX.
Frequently Asked Questions
What is Complaint #14137386 about?
Complaint #14137386 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 2025-06-17T12:00:00-05:00.
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.