Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4796996
Complaint Overview
Complaint ID: 4796996
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Kansas
ZIP Code: 66215
Date Received: 2021-10-10T12:00:00-05:00
Date Sent to Company: 2021-10-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
THIS IS NOT A DUPLICATE COMPLAINT AND SHOULD NOT BE HANDLED AS SUCH. Experian is reporting information on my credit report that Congress has stated is to be excluded. Under The Fair Credit Reporting Act 15 USC 1681a Definitions ; rules of construction Congress has defined Experian as consumer reporting agency and defined me as a consumer. FCRA 15 USC 1681a under the exclusion section number B states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is to be excluded from a consumer report. Because definitions are important we have to read further in Truth In Lending 15 USC 1602 where the term " credit card '' is defined. The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Congress says Experian does not have the right to put items on my consumer report that are directly or indirectly extensions of credit from my credit card ( my social security card, my license plate, and so on ). Experian is in violation and is civilly liable for these actions. Not only are they reporting such items, but they are defending their right to do so by claiming the items are " verified '' and " accurate '' when they are not. FCRA 15 USC 1681a numbers 3e covers the investigative consumer report saying : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on the consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information is obtained directly from a creditor of the consumer or from the consumer. Again, Experian is in violation and civilly liable of all errors I point out on my Experian credit report.
Frequently Asked Questions
What is Complaint #4796996 about?
Complaint #4796996 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-10-10T12:00:00-05:00.
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, credit repair services, 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.