Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15773444
Complaint Overview
Complaint ID: 15773444
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: 33021
Date Received: 2025-09-06T12:00:00-05:00
Date Sent to Company: 2025-09-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute inaccurate information being reported on my credit file. After reviewing my credit reports, I noticed that XXXX late payments have been reported on the following account, for which I have never been late : Account Name : XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and complete information reflected in my credit reports. Specifically : 15 U.S.C. XXXXi ( Section XXXX of the FCRA ) : Provides me the right to dispute information that I believe to be inaccurate, and requires the credit reporting agencies to conduct a reasonable reinvestigation within XXXX days. 15 U.S.C. XXXX ( b ) ( Section XXXX ( b ) of the FCRA ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 15 U.S.C. XXXX ( Section XXXX of the FCRA ) : Requires furnishers of information ( such as creditors or lenders ) to report information accurately and to correct or delete any information that they knowor should knowis inaccurate. I request that you provide documented proof ( such as account statements or payment history ) that supports these alleged late payments. If no such proof can be provided, I demand that these items be deleted or corrected to reflect on time payments, as required by law. Please consider this letter a formal dispute under the FCRA. If this inaccurate information is not removed or corrected, I reserve my right to pursue further remedies available under the law. Thank you for your prompt attention. I expect this matter to be resolved within the legally required time frame. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #15773444 about?
Complaint #15773444 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 2025-09-06T12:00:00-05:00.
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.