Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14870238
Complaint Overview
Complaint ID: 14870238
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: Florida
ZIP Code: 33909
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 filing this complaint because my Experian credit report contains inaccurate and unauthorized information, specifically unverifiable collection accounts and/or charge-offs. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) by previously disputing these entries, yet the credit reporting agency has continued to report them without proper investigation or verification, in direct violation of 15 U.S.C. 1681i and 1681e ( b ). These accounts were never authorized by me, and no supporting documentationsuch as signed contracts or written consenthas been provided, as required under the law. Negative accounts : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Late 30 days ( Not aware of this account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Collection/Chargeoff The continued reporting of this inaccurate information despite being notified constitutes willful noncompliance under 15 U.S.C. 1681n, which entitles me to statutory damages. It also demonstrates negligent failure to maintain reasonable procedures to ensure maximum possible accuracy, in violation of 1681o.
Frequently Asked Questions
What is Complaint #14870238 about?
Complaint #14870238 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.