Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8443872
Complaint Overview
Complaint ID: 8443872
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: Illinois
ZIP Code: 60914
Date Received: 2024-02-28T12:00:00-05:00
Date Sent to Company: 2024-02-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XXXX SS # : XXXX Subject : Dispute of Inaccurate Personal Information - 15 USC 1681-1681u Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my credit report, as provided by your agency. This dispute is in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681-1681u. Enclosed with this letter, please find a copy of my credit report from your agency, highlighting the inaccurate information. The inaccuracies are as follows : MY ONLY NAME IS : XXXX XXXX MY ONLY ADDRESS XXXX XXXX XXXX XXXX XXXX, Illinois XXXX ONLY DATE OF BIRTH IS : Date of Birth : XXXX I request that you investigate the disputed items as required by the FCRA and promptly correct any inaccuracies in my credit report. I understand that, under 15 USC 1681i ( a ) ( 1 ) ( A ), you are obligated to conduct a reasonable reinvestigation of the disputed items within 30 days of receiving this dispute letter. Furthermore, please provide me with written confirmation of the actions you take as a result of this dispute, including any deletions or corrections made to my credit report. Per 15 USC 1681i ( a ) ( 6 ), I am entitled to a free copy of my credit report if changes are made as a result of this dispute. Additionally, I would like to request that you notify all creditors or data furnishers who may have provided this inaccurate information to your agency about the dispute and its resolution, as mandated by 15 USC 1681i ( a ) ( 2 ). I appreciate your prompt attention to this matter, as the inaccuracies in my credit report are causing me financial harm. I expect your agency to comply with all relevant provisions of the FCRA and resolve this dispute within the statutory time frame. Please contact me via mail at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX to inform me of the progress and resolution of this dispute. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8443872 about?
Complaint #8443872 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 2024-02-28T12:00:00-05:00.
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.