Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7788455
Complaint Overview
Complaint ID: 7788455
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: Texas
ZIP Code: 76021
Date Received: 2023-11-01T12:00:00-05:00
Date Sent to Company: 2023-11-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. I have the right, as a consumer, to challenge the reportability of any information that is incomplete. If you are unable, unwilling, or fail to provide the legal proof that is required throughout this notice, I demand that you immediately and PERMANENTLY remove any alleged allegations of inquiry, delinquencies, or disparaging statements. There can be no exceptions or delays in this removal. To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX Late Payment {$0.00} DPT ED/XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} ( Original Creditor : XXXX ) XXXX Collection {$230.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$230.00} US DEPT ED XXXX Collection {$18000.00} XXXXS DEPT ED XXXX Collection {$26000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX Charge-off {$510.00} XXXX XXXX Charge-off {$12000.00} XXXX XXXX Charge-off {$790.00} XXXX XXXX XXXX Charge-off {$6400.00} XXXX XXXXXXXX Charge-off {$510.00}
Frequently Asked Questions
What is Complaint #7788455 about?
Complaint #7788455 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 2023-11-01T12:00:00-05:00.
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.