Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7763926
Complaint Overview
Complaint ID: 7763926
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: Credit inquiries on your report that you don't recognize
State: Florida
ZIP Code: 33313
Date Received: 2023-10-26T12:00:00-05:00
Date Sent to Company: 2023-10-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts have hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. List of violations : 15USC 1681b- Permissible Purpose 15USC 1681a- Rule of Construction 15USC 1681e- Compliance Procedures 15USC 1681i- Investigation 15 USC 1692G- Validation of debt * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. XXXX XXXX : XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Cable/Cellular ; Original Creditor - XXXX XXXX ; Amount - {$210.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$210.00} ; Individual Account ; Account XXXX XXXX XXXX ; ADDITIONAL INFORMATION - Consumer Disputes This Account Information ; Collection Account ; Address : XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX : XXXX Account XXXX XXXX Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX XX/XX/XXXX {$840.00} {$840.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$840.00} Status - Charge Off ; Type of Account - Open ; Type of Loan - Deposit Related ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Charged Off Account ; Hard Inquires : XXXX XXXX, XXXX XXXX XXXX FL XXXX, XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX : XXXX BANK XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Balance {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Balance {$0.00} XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX Experian : -XXXX XXXX XXXX Account XXXX XXXX Account charged off. {$840.00} written off. {$840.00} past due as of XX/XX/XXXX. Date opened XX/XX/XXXX -XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Credit card reported lost or stolen, closed/Never late. Inquiries : -XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX -XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Frequently Asked Questions
What is Complaint #7763926 about?
Complaint #7763926 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 2023-10-26T12:00:00-05:00.
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.