Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8716521
Complaint Overview
Complaint ID: 8716521
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: Missouri
ZIP Code: 64014
Date Received: 2024-04-07T12:00:00-05:00
Date Sent to Company: 2024-04-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX Regarding the Experian/XXXX XXXX dispute, I want to address the ongoing issues with fraudulent XXXX XXXX accounts on my credit report. Despite efforts with the FTC & the CFPB, only one account, XXXX XXXX # XXXX, was removed in XX/XX/XXXX. However, both accounts ( beginning with XXXX & XXXX ) were initially deleted by Experian in XXXX. XXXX, verified as fraudulent, then reappeared on XX/XX/XXXX. One was removed again, but the other remained. The current business account disputed shares the same fraudulent nature as the personal account and should be deleted as well. Lack of XXXX XXXX supporting Evidence includes : XXXX. Lack of ID or joint person info provided by XXXX XXXX. XXXX. No business license or email received. XXXX. Absence of associated business address or number. XXXX. No verification of the business name provided. Timeline of bias and unlawful credit information use by Experian : - XXXX XXXX- XX/XX/XXXX : Both accounts verified as not belonging to me and were deleted. - XX/XX/XXXX : Both accounts reappeared, with Experian siding with the creditor. - XXXX - XX/XX/XXXX : Personal account # XXXX was removed again, verified as not fraudulent. - XX/XX/XXXX : Experian biasedly stated the business account # XXXX remains. I've consistently denied both accounts, yet Experian adds them back, violating Federal Consumer Rights Laws. Previous FTC Report Number : XXXX FTC Report Number : XXXX Experian has a history of bias and was sued by the CFPB for deceptive credit score marketing, resulting in a {$3.00} XXXX penalty. Experian is in direct violation of FCRA by not providing proof of verification. Experian, has faced lawsuits related to violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), Fair Credit Billing Act ( FCBA ), and Fair Debt Collection Practices Act ( FDCPA ). Some notable cases in the past include : XXXX. XXXX v. Experian XXXX XXXX XXXX XXXX ( XXXX ) : Experian settled a class-action lawsuit alleging violations of the FCRA by providing inaccurate credit reports and failing to properly investigate disputes. XXXX. XXXX v. Experian ( XXXX ) : Experian faced a lawsuit over the accuracy of credit reports and the company 's handling of consumer disputes, alleging violations of the FCRA. XXXX. A {$6.00} XXXX settlement with credit reporting agencies implies addressing consumer protection laws. XXXX XXXX 's history of corrupt practices adds weight to this dispute. Here are examples of XXXX XXXX 's history of corrupt practices : XXXX. Case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Case # : XXXX Nayab v. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX. in the XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX. Attached : New FTC Report Number : XXXX Mailing includes ID, XXXX, mail verification, and statement letter. I urge Experian to remove the fraudulent XXXX XXXX accounts immediately to safeguard my creditworthiness and financial standing. XXXX XXXX
Frequently Asked Questions
What is Complaint #8716521 about?
Complaint #8716521 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 2024-04-07T12:00:00-05:00.
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.