Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5746414
Complaint Overview
Complaint ID: 5746414
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: Louisiana
ZIP Code: 70806
Date Received: 2022-07-07T12:00:00-05:00
Date Sent to Company: 2022-07-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
" The Heroes XXXX ensures that consumers are held harmless and do not suffer further damage by having late payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to to get affordable credit or even a job. '' ( Per Heroes Act ) I was affected by the XXXX XXXX which caused me to have late payments. According to the Heroes Act ( Section 110401 ), - suspends negative consumer credit reporting during the Covid-19 Pandemic plus an additional 120 days. - Prevents credit scores from being ruined during the Covid 19 Pandemic including late payments reporting on consumer credit file and report. I also sent a dispute letter for late payments that I was affected by during Covid- 19 by certified mail. The delivery tracking number for XXXX is XXXX with XXXX and was delivered on XX/XX/2022. I also sent a dispute letter for late payments that I was affected by during XXXX XXXX by certified mail. The delivery tracking number for Experian is XXXX with XXXX and was delivered on XX/XX/2022.
Frequently Asked Questions
What is Complaint #5746414 about?
Complaint #5746414 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 2022-07-07T12:00:00-05:00.
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.