Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8346998
Complaint Overview
Complaint ID: 8346998
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: Michigan
ZIP Code: 48238
Date Received: 2024-02-14T12:00:00-05:00
Date Sent to Company: 2024-02-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Experian, XXXX, and XXXX is reporting incorrect and inaccurate information to my credit report from XXXX XXXX which is a closed account with a late payment in XX/XX/2023, which is INCORRECT! Experian is reporting the late payment in XX/XX/2023. XXXX is reporting the late payment in XX/XX/2023, and XXXX is reporting the late payment in XX/XX/2023. Which are all incorrect and inaccurate dates with all XXXX bureaus I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
Frequently Asked Questions
What is Complaint #8346998 about?
Complaint #8346998 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 2024-02-14T12:00:00-05:00.
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.