Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9046041
Complaint Overview
Complaint ID: 9046041
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: Alabama
ZIP Code: 356XX
Date Received: 2024-05-19T12:00:00-05:00
Date Sent to Company: 2024-05-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir/Madam, I am writing to dispute certain information that has been reported to my credit profile without my written consent. As per the provisions of consumer protection laws, I request that you investigate and rectify this matter promptly. Upon reviewing my credit report, I discovered, ( XXXX XXXX XXXX address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ) account number XXXX ( balance of {$570.00}. This information was reported without my authorization or consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, creditors are required to obtain written consent from consumers before reporting any information to credit bureaus. As I have not provided such consent for the aforementioned accounts, the reporting is inaccurate and should be removed immediately. I kindly request that you conduct a thorough investigation into this matter Furthermore, I assert my rights under the Fair Credit Reporting Act to have accurate and fair credit reporting. If the inaccurate information is not corrected within the required timeframe, I reserve the right to pursue legal remedies available under the FCRA. Please acknowledge receipt of this dispute letter within 10 days and inform me of the steps being taken to investigate and resolve this issue. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9046041 about?
Complaint #9046041 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 2024-05-19T12:00:00-05:00.
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.