Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5617408
Complaint Overview
Complaint ID: 5617408
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: New York
ZIP Code: XXXXX
Date Received: 2022-05-29T12:00:00-05:00
Date Sent to Company: 2022-05-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I reached out to XXXX XXXX. In the form of an affidavit on XX/XX/2022 via XXXX XXXX Mail and it was signed for by a XXXX XXXX I received a postcard in the mail on XX/XX/2022 stating my name was not in there system check with the XXXX XXXX XXXX. Upon receiving this information I drafted another letter and mailed it out to XXXX XXXX as a Notice of Default on XX/XX/2022, and it was signed for by a XXXX I called XXXX on XXXX XXXX to inquire about the notice that was recieved and XXXX XXXX stated they did not receive anything from me even though it was signed for by someone in their back office. On XX/XX/2022, XXXX recieved a second Notice of Default which was signed for by the same individual. I called XXXX on XX/XX/2022 upon noticing I have not got a notification of my documents being put on file. XXXX XXXX stated to me again that they have not received any documents from. XXXX XXXX unfair practices and becoming detrimental to my everyday life. In accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my expressed written consent. I did not authorize XXXX XXXX to furnish any inquiry on my Consumer Credit Report. ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308
Frequently Asked Questions
What is Complaint #5617408 about?
Complaint #5617408 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 2022-05-29T12:00:00-05:00.
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.