Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7539992
Complaint Overview
Complaint ID: 7539992
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: Pennsylvania
ZIP Code: 19018
Date Received: 2023-09-12T12:00:00-05:00
Date Sent to Company: 2023-09-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Section 15USC 1681 a ( d ( 2 ) ( A ) ( i ) explicitly excludes transactions between consumers and the reporting entity from consumer reports. Nevertheless, Experian is including this information. Such inclusion violates Metro2 compliance standards. Please provide the Metro2 compliance guidelines for reporting transactions to consumer reporting agencies. I request the removal of late payments, collection/charge-off status, and other derogatory data from my consumer reports immediately. Note that I am not seeking validation or verification. Negative accounts have been placed in Collection/Charge-Off Status without providing IRS form 1099-C Cancellation of Debt. This is a violation of 26 USC ss 6050P regarding the Cancellation of Indebtedness Returns. If this derogatory information is not removed within 30 days, I will file IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information with the IRS against all involved entities.
Frequently Asked Questions
What is Complaint #7539992 about?
Complaint #7539992 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 2023-09-12T12:00:00-05:00.
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.