Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9283597
Complaint Overview
Complaint ID: 9283597
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: Georgia
ZIP Code: 303XX
Date Received: 2024-06-17T12:00:00-05:00
Date Sent to Company: 2024-06-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Reporting and Request for Removal of Debt Collector Accounts To Whom It May Concern, I am writing to formally dispute the inaccurate and unauthorized information being reported on my credit report by Experian. Specifically, the information pertains to the following debt collector accounts : XXXX XXXX XXXX XXXX : {$310.00} XXXX Funding : {$720.00} I am invoking my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and the relevant Code of Federal Regulations ( CFR ). Here are my specific concerns : No Contractual Obligation : I do not have any contractual obligation or agreement with either XXXX XXXX XXXXXXXX XXXX, or XXXX Funding. According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including obtaining the consumer 's written consent. I have never given Experian written consent to furnish my information to or obtain it from these debt collectors. Violation of CFR : By reporting this information without my consent, Experian has violated several provisions of the Code of Federal Regulations, including but not limited to : 16 CFR Part 600 : General Provisions 16 CFR Part 601 : Procedures for Compliance with the Fair Credit Reporting Act 16 CFR Part 602 : Prescreen Opt-Out Notice These violations are significant, and I demand a remedy for each infraction. As per 15 USC 1681i, I demand an immediate investigation into this matter. Please address this matter promptly and confirm receipt of this letter. Thank you for your immediate attention to this urgent matter. Best
Frequently Asked Questions
What is Complaint #9283597 about?
Complaint #9283597 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 2024-06-17T12:00:00-05:00.
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.