Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8100560
Complaint Overview
Complaint ID: 8100560
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: Kentucky
ZIP Code: 403XX
Date Received: 2024-01-03T12:00:00-05:00
Date Sent to Company: 2024-01-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX SSN # XXXX Date : XX/XX/XXXX Experian, Subject : Dispute Regarding Initial Notice Sent to Non-Mailable Address Account Name : XXXX XXXX XXXX Account Number # : XXXX I am writing to dispute an entry on my consumer report concerning an initial notification from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX. The initial notification was sent to a NON-MAILABLE ADDRESSS ( See Attached Exhibit A ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX, and as a result, I request its IMMEDIATE REMOVAL from my consumer report. I also filed out an FTC Report for Aggravated Identity Fraud against XXXX XXXX XXXX, XXXX for sharing my PERSONAL IDENTIFY INFORMATION with a Non-affiliated Experian, XXXX XXXX, and XXXX. ( see attached Exhibit B ) Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. Sincerely, XXXX XXXX XXXX 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information in conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. Best Regards XXXX XXXX XXXX Immediate Removal and/or Deletion from all consumer reporting agencies. 15 U.S. Code 1692k - Civil liability U.S. Code Notes Remedy for monetary damages 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 5 U.S.C. 1681i ( a ). Failure to conduct a reasonable reinvestigation violates the FCRA. 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. XXXX XXXX : {$4000.00}
Frequently Asked Questions
What is Complaint #8100560 about?
Complaint #8100560 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 2024-01-03T12:00:00-05:00.
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.