Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16136565
Complaint Overview
Complaint ID: 16136565
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: New York
ZIP Code: 11206
Date Received: 2025-09-23T12:00:00-05:00
Date Sent to Company: 2025-09-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, Upon reviewing my consumer report, I noticed late payment entries that appear to be inaccurate. I have always maintained on-time payments and have been a responsible consumer. As you know, consumer reporting agencies play a critical role in accurately reporting customer information, and it is imperative that this information reflects the truth. I have never missed a payment on the following account : account number XXXX XXXX, Experian XXXX, XXXX XXXX. For account XXXX XXXX. Therefore, I am formally requesting an immediate investigation into this matter. Please provide supporting evidence, such as account statements or payment records, to validate the reported late payments. If these entries can not be substantiated, I request that the inaccurate late payment records be promptly corrected to reflect my actual on-time payment history. I take my financial obligations seriously and consistently meet them without delay. Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt and resolution.
Frequently Asked Questions
What is Complaint #16136565 about?
Complaint #16136565 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 2025-09-23T12:00:00-05:00.
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.