Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4892105
Complaint Overview
Complaint ID: 4892105
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Nevada
ZIP Code: 89183
Date Received: 2021-11-09T12:00:00-05:00
Date Sent to Company: 2021-11-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I reported an alleged XXXX XXXX credit card account to credit reporting bureau for investigation. After the merchant, XXXX XXXX XXXX, erroneously reported 34 charge-offs On one credit card, Merchant refused to provide any 1099C as required by law and refused Validate said debt pursuant to the FDCPA. The merchant, XXXX XXXX XXXX has already received a tax credit for the full Charge off amount which then is supposed to be filed on my taxes as consumer income after being charged off. Said merchant refused to provide 1099C and the credit reporting bureau did not properly investigate this issue. The credit reporting bureau continues to illegally report late payments and credit utilization on my consumer report. The XXXX XXXX account the credit bureau is reporting is in violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) which states that my " consumer report should not include Transactions or Experiences between the consumer and Person making report. Transactions subject to the foregoing include the line of credit extended to consumer by corporations and how it is used. This is being reported on my report by said credit bureau as " Payment history '' Experiences subject to the foregoing include the amount of credit being used by consumer. This is being reported on my credit report as " Credit utilization ''. Further, the credit reporting bureau continues to report late payments allegedly pursuant to my student loans on closed accounts. All of the foregoing violations are subject to 15 USC 1692 ( k ) and said violations are preventing me from getting credit and approved for financing. The Credit Reporting Bureau is damaging my credit worthiness.
Frequently Asked Questions
What is Complaint #4892105 about?
Complaint #4892105 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-11-09T12:00:00-05:00.
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.