Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7517123
Complaint Overview
Complaint ID: 7517123
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Virginia
ZIP Code: 23434
Date Received: 2023-09-07T12:00:00-05:00
Date Sent to Company: 2023-09-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. After asking for method of verification from XXXX, Experian, and XXXX whom have failed to provide any response. This account is reporting inaccurate according to the Metro 2 Compliance Standard. After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. I also mailed XXXX XXXX XXXX and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. I have attached below all Exhibits Certified Mail sent to data furnishers of information below. This account needs to deleted from my account because it is incomplete and inaccurate.
Frequently Asked Questions
What is Complaint #7517123 about?
Complaint #7517123 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-09-07T12:00:00-05:00.
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 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.