Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5106989
Complaint Overview
Complaint ID: 5106989
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: Texas
ZIP Code: 75181
Date Received: 2022-01-13T12:00:00-05:00
Date Sent to Company: 2022-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have previously disputed and made XXXX XXXX, Experian, XXXX XXXX, XXXX aware that they are all violating my federally protected consumer rights. They are willful and complicit in the agressive violations of my rights. They are clearly non- compliant to the consumer laws I am being damaged in multiple ways. 1. Defamation of Character ( per se ) 2. Negligent Non Compliance 3. Civil Liability 4. XXXX XXXX XXXX. Fair Credit Reporting Act 15 USC 1681violation for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] As you can see from the documents that I have attached to this complaint the violations of rights that I advised them of was not corrected as advised. The issue is that the balance of the card is being reported the balance should report as XXXX or XXXX to be compliant. As you will notice I have made notes to experians results of the dispute that I previously made about the violations that You ( CFPB ) are now complicit in, about updates made to my Consumer Report. Which did not correct the violations which are still active on this updated Consumer Report. I will be seeking damages as advised by FCRA. I recently received a copy of my ( Experian, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with its company. I advised XXXX XXXX of the violations that I noticed on my Experian, XXXX XXXX, XXXX XXXX reports. The certified w/ return receipt tracking numbers of the letter correspondence is # XXXXXXXX XXXX XXXXXXXX XXXX XXXX The lines of credit I have with XXXX XXXX, which is characterized as utilization on my consumer reports. THEIR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX Credit Card XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX XXXX ) THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( XXXX XXXX ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. I am making this complaint for XXXX XXXX willful violations and non-compliance. Please assist in helping me get remedy for my consumer rights. Thank you in advanc
Frequently Asked Questions
What is Complaint #5106989 about?
Complaint #5106989 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 2022-01-13T12:00:00-05:00.
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.