Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17793362
Complaint Overview
Complaint ID: 17793362
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: Pennsylvania
ZIP Code: 19135
Date Received: 2025-12-05T12:00:00-05:00
Date Sent to Company: 2025-12-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB Attachment Supporting Statement of Facts Statement of Facts and Supporting Information This attachment is being submitted in support of my CFPB complaint regarding inaccurate and unverified information being reported on my consumer credit report. I previously disputed the following accounts with the consumer reporting agencies. The information remains inaccurate, incomplete, or unverifiable : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my dispute, the furnishers and/or consumer reporting agencies have not provided any documentation or evidence that these accounts were fully verified as required under the Fair Credit Reporting Act ( FCRA ). FCRA Violations 1. Violation of 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. The reporting of these accounts is not accurate, nor have I been shown evidence of proper verification. 2. Violation of 15 U.S.C. 1681i ( a ) When a consumer disputes information, the credit reporting agency must conduct a reasonable reinvestigation and provide the consumer with documentation used to verify the account. I was not provided with any signed contracts, billing statements, proof of ownership, or validation from the furnisher. 3. Violation of 15 U.S.C. 1681s-2 ( b ) Furnishers are required to investigate disputes sent to them by the consumer reporting agencies, review all relevant information, and correct or delete inaccurate information. They have not demonstrated that they performed a lawful investigation. Requested Action by CFPB I respectfully request that the CFPB require the credit reporting agencies and furnishers to : 1. Provide complete documentation proving each account belongs to me and is being accurately reported ; 2. Show the actual verification materials used during reinvestigation ; 3. Delete any account that can not be verified with proper documentation ; 4. Ensure full compliance with the Fair Credit Reporting Act. Certification I certify that the information provided in this attachment is true and accurate to the best of my knowledge. Signature : XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #17793362 about?
Complaint #17793362 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 2025-12-05T12:00:00-05:00.
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.