Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8108685
Complaint Overview
Complaint ID: 8108685
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Georgia
ZIP Code: 30252
Date Received: 2024-01-04T12:00:00-05:00
Date Sent to Company: 2024-01-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Experian is has violating my rights according to the FCRA. I have the right to privacy according to 15 U.S. Code 1681 Section 604 A Section 2. I have never given Experian consent to report anything on my consumer report. These accounts are not 100 % accurate and are not IAW the FCRA. Delete these Late Payments and Update my Payment History to XXXX Status. Inaccurate Accounts : XXXX- # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( Debt included in XXXX ) DELETE because Debt included in Bankruptcy, and XXXX XXXX XXXX- # XXXX. Violations of my consumer rights are as follows : 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S.C. 1681 Section 602 A- States I have the right to privacy. 15 U.S.C. 1681 Section 604 A- Section 2 : States a CRA can not furnish an account without my written instructions ; I never gave anyone written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any other adverse item of information. Experian also ignored 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Experian is Illegally reporting Open and Closed accounts with Balances, as Charged-Off ( CO, CO, CO... ) and Late Monthly. Experian is also ignoring this Law : 15 U.S.C. 1666 ( b ) ( 4 ) - Billing Errors, and 15 U.S.C. 1681e : Compliance procedures. My credit report must be 100 % accurate and it is not.
Frequently Asked Questions
What is Complaint #8108685 about?
Complaint #8108685 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-01-04T12:00:00-05:00.
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.