Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9659005
Complaint Overview
Complaint ID: 9659005
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: Credit inquiries on your report that you don't recognize
State: Texas
ZIP Code: 75248
Date Received: 2024-07-28T12:00:00-05:00
Date Sent to Company: 2024-07-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Dispute of Inaccurate Information Account Number : XXXX Dear Experian, I am writing to dispute inaccurate information contained in my credit report regarding an account with XXXX XXXX. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Type : Cell Phone Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$750.00} past due as of XX/XX/XXXX. Status Updated : XX/XX/XXXX Balance : {$750.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Original Balance : - Highest Balance : {$750.00} Terms : XXXX Month On Record Until : XX/XX/XXXX Payment History : Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account contains several inaccuracies that I believe to be incorrect. Specifically : Status : The account is listed as a collection account with a past due amount of {$750.00}. However, this information is inconsistent with my records. Comments : The account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), which implies that the previous dispute did not resolve the inaccuracies. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the specific methods and sources used in the verification process. Therefore, I am requesting : The name, address, and contact number of the party who provided the information. The specific methods used to verify the accuracy of the information. Any documentation or evidence used to support the verification. Additionally, I would like to point out that XXXX XXXX has not provided any documentation proving the validity of this debt. Without proper verification, this account should not be listed on my credit report. If the account can not be verified as accurate, I request that it be removed from my credit report immediately. Enclosed are copies of my credit report with the highlighted inaccuracies, as well as proof of my identity. Please complete the investigation within the timeframe required by the FCRA and provide me with the results. If this account is not verified as accurate, please remove it from my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX [ Enclosures : Copy of Credit Report with highlighted inaccuracies, Proof of Identity ]
Frequently Asked Questions
What is Complaint #9659005 about?
Complaint #9659005 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 2024-07-28T12:00:00-05:00.
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.