Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8935163
Complaint Overview
Complaint ID: 8935163
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: Florida
ZIP Code: 33313
Date Received: 2024-05-05T12:00:00-05:00
Date Sent to Company: 2024-05-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Notice of Violations and Demand for Correction of Inaccurate Credit Report Information Dear CFPB and EXPERIAN CREDIT BUREAU, I write to bring to your attention serious violations of my rights under the Fair Credit Reporting Act ( FCRA ). As a credit reporting agency, you are legally obligated to ensure the accuracy of the information contained in consumer credit reports. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information '' in consumer reports. Your failure to adhere to this requirement has caused significant harm to my creditworthiness, leading to potential reputational and financial damage. Despite my repeated dispute notifications, you have allowed inaccurate, incomplete, or unverified information to remain on my credit report without adequate investigation. This breach of duty is evidenced by incorrect account details, erroneous late payments, and discrepancies in reporting dates. By neglecting your obligation to ensure accuracy, you have violated my rights and jeopardized my access to fair and accurate credit information. I demand immediate correction of these violations, including the removal of inaccurate information, and an assurance that future procedures will comply with FCRA requirements. Failure to correct these violations will prompt me to pursue legal action and report this misconduct to regulatory authorities. Furthermore, your violation of 15 U.S.C. 1681i ( a ) ( 5 ) is evident from your failure to delete or correct inaccurate, incomplete, or unverifiable information after a consumer dispute. This statute requires credit reporting agencies to take prompt action to delete inaccurate information or correct it upon re-investigation. Yet, despite the investigation periods of 30, 60, or 90 days, you have failed to address the discrepancies in my credit report. This neglect has not only compromised my creditworthiness but also shown a blatant disregard for the FCRA 's legal mandates. Additionally, you have violated 15 U.S.C. 1681s-2, which prohibits furnishers from providing information they know or should reasonably know is inaccurate. Your failure to enforce compliance with this statute has resulted in the inclusion of inaccurate data, such as false late payments, inconsistent account information, and incorrect balances. By allowing these violations, you have contributed to ongoing harm to my financial standing and reputation. I demand immediate correction of these violations, removal of the inaccurate information, and a commitment to complying with all FCRA requirements. Your failure to act in accordance with these laws will compel me to seek further legal remedies and report these violations to the appropriate regulatory authorities. The accounts that I dispute for inaccuracy, incompleteness, and unauthorized reporting are as follows : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX : Contains discrepancies in the last payment date, 2year payment history, and other compliance-related fields. XXXX XXXX ( XXXX ) - ( XXXX ) XXXX : Displays errors in the credit limit, 2-year payment history, and other critical information. XXXX ( XXXX ) - ( XXXX ) XXXX : Issues with the 2-year payment history, account description, and other vital details. XXXX ( XXXX ) - ( XXXX ) XXXX : Inconsistencies in creditor remarks and account types. No knowledge of this account delete expeditiously. XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX : This account is not mine, and its inclusion is unwarranted. No knowledge of this account delete expeditiously.
Frequently Asked Questions
What is Complaint #8935163 about?
Complaint #8935163 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 2024-05-05T12:00:00-05:00.
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.