Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5817319
Complaint Overview
Complaint ID: 5817319
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Virginia
ZIP Code: 23451
Date Received: 2022-07-27T12:00:00-05:00
Date Sent to Company: 2022-07-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In accordance with the FCRA XXXX Account, XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681, Section 602 A. States : I have the right to privacy 15 U.S.C. 1681, Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Moreover, the account does not belong to me. This is willful disregard of the FCRA. A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. Metro 2 reporting guidelines state : Accounts reported in error must be deleted.
Frequently Asked Questions
What is Complaint #5817319 about?
Complaint #5817319 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-07-27T12:00:00-05:00.
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.