Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7669114
Complaint Overview
Complaint ID: 7669114
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: 33415
Date Received: 2023-10-09T12:00:00-05:00
Date Sent to Company: 2023-10-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Charge-Off Account, Account Number : XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute the charge-off on my credit report for the account with the number XXXX, as reported by Commonwealth Financial. I believe this charge-off is in violation of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ). According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), creditors are required to report accurate and complete information to credit reporting agencies. In my case, I contend that the charge-off reported by Commonwealth Financial is inaccurate and incomplete. I kindly request that you investigate this matter promptly and provide me with documentation verifying the validity of the charge-off. Specifically, I would like you to provide the following : 1. A complete account history and transaction log for account number XXXX. 2. Any documentation proving that the debt in question is valid and legally owed by me. 3. Evidence that all required notices and disclosures were provided in accordance with applicable laws and regulations. I am committed to resolving this matter promptly and am willing to cooperate fully to ensure its resolution. I believe that a fair and accurate representation of my credit history is vital for my financial well-being. Please acknowledge the receipt of this dispute letter within 30 days, as required by law, and inform me of your progress in investigating and rectifying this matter. Failure to comply with these legal obligations XXXX result in further action on my part.
Frequently Asked Questions
What is Complaint #7669114 about?
Complaint #7669114 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 2023-10-09T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.