Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7735426
Complaint Overview
Complaint ID: 7735426
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: Connecticut
ZIP Code: 06450
Date Received: 2023-10-20T12:00:00-05:00
Date Sent to Company: 2023-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
There are multiple charge offs reporting and that is illegal to do because charge offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The documents I attached is a screenshot of the IRS indicating about cancelled debt and how its income and the 3 consumer reporting agencies reporting the charge off also stated the law USC 1681. I never authorized the bureaus to report this and this is defamation. I can ligate the bureaus for defamation because they're reporting information that they are not supposed to which will damage me financially and emotionally.
Frequently Asked Questions
What is Complaint #7735426 about?
Complaint #7735426 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 2023-10-20T12:00:00-05:00.
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.