Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7626490
Complaint Overview
Complaint ID: 7626490
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: Florida
ZIP Code: 32506
Date Received: 2023-10-01T12:00:00-05:00
Date Sent to Company: 2023-10-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. Im opting out of : XXXX XXXX : Chargeoff XXXX XXXX XXXX : Chargeoff XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX XXXX XXXX : Late Payments XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : Collection account. XXXX XXXX XXXX : XXXX XXXX XXXX : Collection Account/Chargeoff XXXX XXXX XXXX XXXXXXXX : Chargeoff XXXXPer the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication.
Frequently Asked Questions
What is Complaint #7626490 about?
Complaint #7626490 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 2023-10-01T12:00:00-05:00.
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.