Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9531386
Complaint Overview
Complaint ID: 9531386
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: Texas
ZIP Code: 77396
Date Received: 2024-07-16T12:00:00-05:00
Date Sent to Company: 2024-07-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Request for Investigation and Deletion of Inaccurate Information To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. I have reviewed my credit report from XXXX, Experian, and XXXX, and found the following account information to be inaccurate, unverifiable, and incomplete : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : [ Account XXXXXXXX ] The details reported are as follows : XXXX : High Balance : {$590.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$61.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$61.00} Account Type : Secured credit card Payment Frequency : -- Credit Limit : {$500.00} Experian : High Balance : {$0.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$61.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Credit line closed - consumer request - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$61.00} Account Type : Credit line secured Payment Frequency : -- Credit Limit : {$500.00} XXXX : High Balance : {$61.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$61.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : National Credit Card Companies Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Account closed at consumer 's request. Charged off account. Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$61.00} Account Type : -- Payment Frequency : -- XXXX XXXX : {$0.00} This information is incorrect and does not reflect my true credit history. Therefore, I am requesting that you investigate and remove this inaccurate information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct or remove any information that is incorrect, incomplete, or unverifiable. Please provide me with a copy of the results of your investigation and an updated copy of my credit report once the changes have been made. Additionally, if the investigation does not resolve my dispute, please include an explanation in writing of the procedures used to determine the accuracy and completeness of the information, and provide the name, address, and phone number of the creditor who provided the information. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #9531386 about?
Complaint #9531386 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 2024-07-16T12:00:00-05:00.
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.