Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16711353
Complaint Overview
Complaint ID: 16711353
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: Georgia
ZIP Code: 303XX
Date Received: 2025-10-20T12:00:00-05:00
Date Sent to Company: 2025-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Experian Dispute Department : Under FCRA 607 ( b ) you must assure maximum possible accuracy. Under FCRA 611 you must conduct a reasonable reinvestigation and delete/correct any inaccurate or unverifiable information. XXXX XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ), you must do more than parrot furnishers. If you can not independently verify with documentary evidence, delete the items in full. I also place you on notice of XXXX XXXX ( XXXX C.F.R. Part XXXX ) and GLBA XXXX obligations. The conflicts below indicate data-integrity failures ; if tied to any security lapse, treat this as a data-breach notice and provide incident details and remediation. A. Personal Information Errors Name/Address Variants : File shows XXXX XXXX XXXX XXXX XXXX XXXX and XXXX prior addresses. Please retain only my full legal name XXXX XXXX and current address above ; suppress/remove any variant names/addresses not supported by my government ID and current utility/lease ( enclosed ). XXXX XXXX : Your consumer statement reflects an ID security alert ( XX/XX/XXXX ) with callback XXXX. Confirm it is properly coded per FCRA 605A ; provide your method of placing/verifying and ensure no adverse coding depresses scores. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX Authorized User ( opened XX/XX/XXXX ) Your file shows Open/Current. Ensure no derogatory codes or dispute flags are attached. Provide Method of Verification and ensure XXXX dates ( Open, Last Payment, Date of Account Info ) are consistent with the source statements. XXXX CREDIT XXXX BANK NA AU ( opened XX/XX/XXXX ; closed XX/XX/XXXX ) You report XXXX request. Confirm no residual dispute/XB codes exist. Provide MOV. XXXX. XXXX XXXX ( opened XX/XX/XXXX ) Confirm balance/limit/date reported align with furnisher records and peers ( TU/EQ ). Remove any stale dispute codes. Provide MOV. XXXX. SUMMIT A * R Medical Collection ( {$980.00} ; Acute Physical Therapy ; opened XX/XX/XXXX ; you report XX/XX/XXXX ) Violations/defects : Medical debt requires strict documentation. Provide : ( a ) itemized statement/EOB, ( b ) proof of assignment/chain of title, ( c ) HIPAA-permitted disclosure authority from the provider to the collector/CRA, ( d ) DOFD ( date XXXX first delinquency ) establishing obsolescence period, and ( e ) contract/consent tying me to the services. Codes are not proof. If you can not produce documentary proof meeting XXXX standards, delete the collection in full. XXXX fields at issue : 12 ( Status ), 32 ( Balance ), 37 ( Date of Account Info ), 40 ( Date of Last Payment ), 35 ( Payment History ), XX/XX/XXXX ( Limit/High Credit where applicable ). C. Demands ( All Items ) 1. Independent reinvestigation and documentary verification ( not XXXX parroting ). 2. Delete or correct any item you can not verify to that standard ( 611 ( a ) ( 5 ) ( A ) ). 3. Remove all dispute/XB codes where no active dispute exists. 4. Provide updated report and full XXXX of XXXX ( 611 ( a ) ( 7 ) ) within 30 days. 5. If conflicts stem from a data breach, provide your incident report per GLBA/Reg V. Failure to comply will prompt CFPB/FTC/AG complaints and XXXX XXXX of damages under FCRA XXXX.
Frequently Asked Questions
What is Complaint #16711353 about?
Complaint #16711353 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 2025-10-20T12:00:00-05:00.
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.