Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9131005
Complaint Overview
Complaint ID: 9131005
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: Indiana
ZIP Code: 46203
Date Received: 2024-05-29T12:00:00-05:00
Date Sent to Company: 2024-05-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXXXXXX XXXX XXXX Reported : Apr. 30, 2024 15 U.S.C. 1692e ( 8 ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ) that pertains to false or misleading representations by debt collectors. Specifically, this section addresses the communication of false information regarding a consumer 's credit standing. 15 U.S.C. 1692e ( 8 ) : False or Misleading Representations This section states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In particular, it prohibits : Communicating or Threatening to Communicate to Any Person Credit Information : 15 U.S.C. 1681s-2 ( b ) : Duties of Furnishers of Information Upon Notice of Dispute Investigation of Disputes : Upon receiving notice of a dispute regarding the accuracy or completeness of any information provided to a CRA, the furnisher must conduct an investigation with respect to the disputed information. Prohibited Practices : The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. This includes : Harassment : This can involve threats of violence, the use of obscene or profane language, or repeatedly calling a person to annoy them. False statements : Debt collectors can not lie about the amount of money owed, claim to be attorneys if they are not, or falsely claim that the debtor will be arrested. Unfair practices : Debt collectors can not try to collect any amount greater than what is owed unless allowed by law. They can not deposit a post-dated check prematurely, and they must not take or threaten to take property without the right to do so.
Frequently Asked Questions
What is Complaint #9131005 about?
Complaint #9131005 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 2024-05-29T12:00:00-05:00.
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.