Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16856800
Complaint Overview
Complaint ID: 16856800
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: Iowa
ZIP Code: 52732
Date Received: 2025-10-27T12:00:00-05:00
Date Sent to Company: 2025-10-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint : Inaccurate Credit Reporting and FCRA Violations I am filing a complaint against the nationwide consumer reporting agencies ( TransUnion, Experian, Equifax ) for failing to maintain reasonable procedures to assure maximum possible accuracy of my credit information, as required by the Fair Credit Reporting Act ( FCRA ). The Problem : My credit reports from all three bureaus are riddled with material inaccuracies and inconsistencies on multiple accounts, including XXXX ( auto loan ), XXXX XXXX XXXX and several collections ( XXXX XXXX XXXX XXXX XXXX XXXX ). Key details like account balances, payment status, and dates differ from XXXX bureau to the next, proving the data has not been properly verified. Examples of Inconsistencies : XXXX XXXXXXXX auto loan is reported as a " Charge-off '' with two bureaus and a " Repossession '' with another. The amount owed differs by over {$2500.00}. The XXXX XXXX account shows three different " High Balance '' amounts : {$270.00}, {$0.00}, and {$200.00}. Collection accounts are reported as " Open '' with one bureau and " Closed '' with others. Attempts to Resolve : I have disputed these errors directly with the credit bureaus as required by law. Desired Resolution : I want the credit bureaus to conduct a proper, legally-mandated reinvestigation of these items, delete all information that can not be verified, and correct all inaccuracies. Their failure to maintain accurate data is harming my credit score and my ability to obtain credit
Frequently Asked Questions
What is Complaint #16856800 about?
Complaint #16856800 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 2025-10-27T12:00:00-05:00.
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.