Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9411094
Complaint Overview
Complaint ID: 9411094
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 75063
Date Received: 2024-07-02T12:00:00-05:00
Date Sent to Company: 2024-07-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
-This consumer reporting agency engaged in abusive, deceptive, and unfair practices of the FCRA which it prohibits. They reported this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FCRA I'm entitled to XXXX dollars per violation and clearly they violated my rights and still are violating my rights as of XX/XX/year>. Per consumer law it is a violation against me and my rights to report an ongoing dispute that is being investigated. Experian is still reporting this alleged account as a late payment ( screenshot attached as evidence )
Frequently Asked Questions
What is Complaint #9411094 about?
Complaint #9411094 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 2024-07-02T12:00:00-05:00.
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.