Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15924720
Complaint Overview
Complaint ID: 15924720
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: Ohio
ZIP Code: 44266
Date Received: 2025-09-13T12:00:00-05:00
Date Sent to Company: 2025-09-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
After reviewing my credit reports, I found multiple accounts and negative items that are inaccurate, unverifiable, or do not belong to me. These include auto loans marked as repossession/voluntary surrender, several credit card charge-offs, and multiple collection accounts. I disputed these items directly with the credit bureaus beginning in XX/XX/2025, but the bureaus either failed to provide proof of verification or continued to report the accounts without proper documentation. These accounts are negatively affecting my credit profile and ability to obtain housing, employment, and credit opportunities. I am requesting that the companies involved either provide proper documentation proving the accuracy of the reported information or immediately delete the unverifiable accounts in accordance with the Fair Credit Reporting Act ( FCRA ).
Frequently Asked Questions
What is Complaint #15924720 about?
Complaint #15924720 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 2025-09-13T12:00:00-05:00.
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.