Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8155050
Complaint Overview
Complaint ID: 8155050
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: 764XX
Date Received: 2024-01-13T12:00:00-05:00
Date Sent to Company: 2024-01-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I informed Experian that they have made errors on my credit report and they have done nothing to fix it, no correspondence, Nothing! Experian has unlawfully and willfully reported LATE payments and Utilization ( which are transactions and experiences ) to my credit and in accordance with the FCRA : 15 USC 1681a 2 ( A ) ( i ) : Exclusions - Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors Because Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, in light of this I am confused as to why you EXPERIAN are reporting late payments and utilization from 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 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 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 when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with Maximum Accuracy. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you EXPERIAN feel that said protection is not mine to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and utilization as well as statements showing that these payments were late, and documentation authorizing you EXPERIAN to report my utilization. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! And Utilization removed! Or remove it from my consumer report altogether.
Frequently Asked Questions
What is Complaint #8155050 about?
Complaint #8155050 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 2024-01-13T12:00:00-05:00.
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.