Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5742982
Complaint Overview
Complaint ID: 5742982
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: 77014
Date Received: 2022-07-06T12:00:00-05:00
Date Sent to Company: 2022-07-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. According to the Fair Credit Report Act Account # XXXX .... violated my rights - XXXX XXXX XXXX XXXX States that I have a right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX .... Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. Before Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status XXXX through Bankruptcy XXXX XXXX. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. After Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance $ 348 Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status XXXX through Bankruptcy XXXX XXXX. Comment Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Frequently Asked Questions
What is Complaint #5742982 about?
Complaint #5742982 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 2022-07-06T12:00:00-05:00.
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.