Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9784693
Complaint Overview
Complaint ID: 9784693
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: California
ZIP Code: 94589
Date Received: 2024-08-11T12:00:00-05:00
Date Sent to Company: 2024-08-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Dispute of Inaccurate Accounts and Hard Inquiries Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate and outdated information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts have violated my federally protected consumer rights under 15 U.S.C. 1681, and I am requesting their removal : Accounts in Dispute : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : 15 U.S.C. 1681 Section 602 A : I have the right to privacy. 15 U.S.C. 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include information that is over 7 years old. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Information furnished to consumer reporting agencies must be accurate. Additional Concerns : The following hard inquiries on my credit report are also disputed under the FCRA : XXXX XXXX XXXX XXXX : Unknown. XXXX XXXX XXXX XXXX XXXX Hard inquiry # 1. XXXX XXXX XXXX : Hard inquiry # 2. According to 15 U.S.C. 1681i and 15 U.S.C. 1681b, these inquiries are past the two-year limit and are not accurate or authorized by me. I request that you investigate these accounts and hard inquiries. They should be removed from my credit report as they are either outdated or inaccurately reported. Please provide written confirmation once these items have been removed or inform me if additional information is needed. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9784693 about?
Complaint #9784693 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 2024-08-11T12:00:00-05:00.
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.