Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8355450
Complaint Overview
Complaint ID: 8355450
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: Arkansas
ZIP Code: 72032
Date Received: 2024-02-15T12:00:00-05:00
Date Sent to Company: 2024-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To whom it may concern, I am writing to dispute 8 late payments currently listed on my credit report. 6 from XXXX XXXX and 2 from XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( 2 ) ), consumer reports do not include information solely about transactions between a consumer and the reporting entity. I believe these late payments violate the FCRA, as they concern only my transactions with your company. The presence of these payments on my report is negatively impacting my credit standing. Therefore, I kindly request that you immediately delete these late payments from my credit report. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #8355450 about?
Complaint #8355450 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 2024-02-15T12:00:00-05:00.
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.