Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9153831
Complaint Overview
Complaint ID: 9153831
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 92335
Date Received: 2024-06-02T12:00:00-05:00
Date Sent to Company: 2024-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am writing to address the inaccuracies present in my credit report across the three major reporting agencies- XXXX, Experian, and XXXX. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. In my report, I have observed discrepancies regarding an account with XXXX XXXX. XXXX reports the account as being opened on XX/XX/year>, while Experian and XXXX report different open dates- XX/XX/year>. This inconsistency is not only inaccurate but also detrimental to my credit standing. I request the immediate removal of this item from my credit report. Furthermore, XXXX and Experian report a credit limit of {$550.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies further compound the inaccuracies in my report. The laws 15 USC 1681n and 15 USC 1681o are crucial in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies. Additionally, 16 CFR 313 and 16 CFR 313.7 play a significant role in defending my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. It is also notable that while XXXX and XXXX report this account as current, Experian inaccurately lists it as 90 days late. This disparity in reporting further underscores the need for immediate correction.
Frequently Asked Questions
What is Complaint #9153831 about?
Complaint #9153831 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-06-02T12:00:00-05:00.
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.