Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14870180
Complaint Overview
Complaint ID: 14870180
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: Virginia
ZIP Code: 20120
Date Received: 2025-07-24T12:00:00-05:00
Date Sent to Company: 2025-07-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the inaccurate and potentially unlawful reporting of a debt listed by XXXX XXXX on my credit report. The account is reported as open with an outstanding balance of {$790.00}, opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. This account is being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Accuracy of Information ( 15 U.S.C. 1681i ) This item is being reported without proper validation and may contain inaccurate or incomplete information. I do not recognize this account, and XXXX XXXX has failed to provide me with the original contract or proof that this debt is valid and belongs to me. 2. Right to Privacy ( 15 U.S.C. 1681b ) My personal identifying information may have been obtained or used by XXXX XXXX without proper consent or permissible purpose. If this debt was purchased and not originated with them, I did not authorize the sale or transfer of my personal and financial information. 3. Reporting After Dispute ( 15 U.S.C. 1681s-2 ) The entry shows Consumer disputes after resolution, yet it remains on my report. Continued reporting without proper verification or correction is a violation of federal law. Under the FCRA, I am exercising my right to dispute this entry and request that this account be deleted immediately from all credit reporting agencies ( Equifax, Experian, and XXXX ). You are required by law to investigate my dispute and respond within 30 days of receipt. If this item can not be verified with complete and accurate documentation ( including the original signed contract and chain of ownership ), it must be removed from my credit report entirely. Please send me written confirmation once the investigation is complete and the necessary action has been taken. If this issue is not resolved within the required timeframe, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Sincerely,
Frequently Asked Questions
What is Complaint #14870180 about?
Complaint #14870180 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 2025-07-24T12:00:00-05:00.
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.