Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5719649
Complaint Overview
Complaint ID: 5719649
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: Missouri
ZIP Code: 63137
Date Received: 2022-06-28T12:00:00-05:00
Date Sent to Company: 2022-06-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently received a copy of my consumer report and I noticed that it XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX is reporting my experience with your company. The line of credit or experience that I have with these companies is characterized as utilization and is being reported on my consumer report. Your company is illegally reporting this experience ( utilization ) on my consumer report. Your company is in clear violation of the law. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) 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 ; The law clearly states that transactions or experiences between the consumer ( ME ) and the person ( YOU ) making the report SHOULD NOT BE INCLUDED on my Consumer Report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) 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 to be included on the consumer reports. You have violated the FCRA 15 U.S. Code 1681a 2A ( i ) by reporting this transaction or experience ( utilization ) on my credit reports which Congress clearly states IS NOT included on my Consumer Reports. You have 10 calendar days to delete all utilization of the above accounts from my consumer report. Failure to respond with deletion of the above utilization will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent non-compliance 3. Civil liability 4. Mental anguish 5. Violation of Fair Credit Reporting Act 15 U.S. Code 1681and 15 U.S. Code 1681n - Civil liability for willful noncompliance
Frequently Asked Questions
What is Complaint #5719649 about?
Complaint #5719649 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 2022-06-28T12:00:00-05:00.
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.