Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9639952
Complaint Overview
Complaint ID: 9639952
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Minnesota
ZIP Code: 55110
Date Received: 2024-07-26T12:00:00-05:00
Date Sent to Company: 2024-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To whom it may concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the XXXX for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is in fact 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. XXXX XXXX XXXX - XXXX - You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected XXXX XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE!
Frequently Asked Questions
What is Complaint #9639952 about?
Complaint #9639952 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-07-26T12:00:00-05:00.
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.