Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7154575
Complaint Overview
Complaint ID: 7154575
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: Tennessee
ZIP Code: 374XX
Date Received: 2023-06-22T12:00:00-05:00
Date Sent to Company: 2023-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter concerning Section 1681s-3 of the Fair Credit Reporting Act ( FCRA ) and to request your compliance with the obligations outlined within this section. The 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! In light of the above, I kindly request that you review the reporting of late payments associated with my credit file and take the necessary steps to rectify any inaccuracies or incompleteness in accordance with 15 U.S. Code 1681a ( 2 ) ( A ) of the FCRA.
Frequently Asked Questions
What is Complaint #7154575 about?
Complaint #7154575 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 2023-06-22T12:00:00-05:00.
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.