Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8664921
Complaint Overview
Complaint ID: 8664921
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: Pennsylvania
ZIP Code: XXXXX
Date Received: 2024-03-31T12:00:00-05:00
Date Sent to Company: 2024-03-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute the reporting of a late payment on my credit report by XXXX XXXX XXXX, as reported by Experian. The account number associated with this dispute is XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 USC 1681 Section 602, 15 USC 1681 Section 604a ( 2 ), and 15 USC 1666b. 15 USC 1681 Section 602 of the FCRA states that I have the right to privacy regarding the information contained in my credit report. Reporting a late payment without proper verification or validation violates this provision of the FCRA. Furthermore, 15 USC 1681 Section 604a ( 2 ) of the FCRA prohibits a consumer reporting agency, such as Experian, from furnishing information about an account without my written instruction. The reporting of a late payment without my authorization violates this requirement. Additionally, under 15 USC 1666b of the FCRA, a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose.
Frequently Asked Questions
What is Complaint #8664921 about?
Complaint #8664921 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 2024-03-31T12:00:00-05:00.
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.