Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FALSE OR MISLEADING INFORMATION ENCOMPASSES MISINFORMATION, WHICH IS INCORRECT INFORMATION SHARED WITHOUT MALICIOUS INTENT, AND DISINFORMATION, WHICH IS DELIBERATELY DECPTIVE INFORMATION SPREAD TO CAUSE HARM OR ACHIVE GOALS LIKE POLITICAL OR ECONOMIC GAIN.BOTH CAN MANIFEST AS ENTIRELY FALSE CONTENT, NUT ALSO MANIPULATED EXISTING INFORMATIO, OUT OF CONTEXT INFORMATION, OR EVEN SELECTIVELY PRESENTED TRUTHS ( HALF-TRUTHS ) TO DECEIVE AND CONFUSE AUDIENCESXXXX XXXX DATE XX/XX/XXXX REPORT MISINFORMATION INCORRECT INFORMATION SHARED THROUGH ERROR, RATHER THAN WITH THE INTENT TO DECIVE XXXX XXXX  DATED XX/XX/XXXX AND XX/XX/XXXX FAKE NEWS A TERM OFTEN USED TO DESCRIBE FABRICATED CONTENT OR DELIBERATELY MISLEADING INFORMATION, THOUGH ITS ACADEMIC USE IS DISCOURAGED DUE TO ITS WEAPONIZATION BY POLITICIANS TO DISCREDIT UNFAVORABLE NEWS.TRANSUNION AS WELL ARE IN VIOLATION OF FALSE MISLEADING INFORMATION. 
WHOEVER WILLFULLY AND MALICIOUSLY, OR WITH RECKLESS DISREGARD FOR SAFETY OF HUMAN LIFE, IMPARTS OR CONVEYS FALSE INFORMATION TO BE FALSE INFORMATION, KNOWING THE INFORMATION TO BE FALSE CONCERNING AND ATTEMPT OR ALLEGED ATTEMPT BEING MADE, TO DO ANY ACT WHICH WOULD BE CRIME PROHIBITED BY THIS CHAPTER OR XXXX XXXX OR XXXX XXXX OF THIS TITLE- SHALL BE FINED UNDER THIS TITLE OR IMPRISIONED NOT MORE THAN XXXX YEARS OR BOTH UNDER XXXX PUB.L.87-338 IMPARTING OR CONVEYING FALSE INFORMATION IMPARTS OR CONVEY OR CAUSES TO BE IMPARTED OR CONVEYED FALSE INFORMATION, KNOWING THE INFORMATIONTO BE FALSE, CONCERNING AN ATTEMPT OR ALLEGED ATTEMPT BEING MADE OR TO BE MADE, TO DO ANY ACT WHICH WOULD BE CRIME PROHIBITED BY THIS CHAPTER OR XXXX XXXX XXXX XXXX XXXX OF THIS TITLE SHALL BE SUBJECT TO CIVIL PENALTY OF NOT MORE THAN {$1000.00} WHICH SHALL BE RECOVERABLE IN CIVIL ACTION BROUGHT IN THE NAME OF THE UNITED STATES. 
DATE XX/XX/XXXX XXXX  XXXX XXXX XXXX AMOUNT XXXX Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and general principles of contract law PUB.L.87-338 IMPARTING OR CONVEYING FALSE INFORMATION IMPARTS OR CONVEY OR CAUSES TO BE IMPARTED OR CONVEYED FALSE INFORMATION, KNOWING THE INFORMATIONTO BE FALSE, CONCERNING AN ATTEMPT OR ALLEGED ATTEMPT BEING MADE OR TO BE MADE, TO DO ANY ACT WHICH WOULD BE CRIME PROHIBITED BY THIS CHAPTER OR XXXX XXXX XXXX XXXX XXXX OF THIS TITLE SHALL BE SUBJECT TO CIVIL PENALTY OF NOT MORE THAN {$1000.00} WHICH SHALL BE RECOVERABLE IN CIVIL ACTION BROUGHT IN THE NAME OF THE UNITED STATES XXXX 
XXXX XXXX XXXX XXXX DATE XX/XX/XXXX Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and general principles of contract law PUB.L.87-338 IMPARTING OR CONVEYING FALSE INFORMATION IMPARTS OR CONVEY OR CAUSES TO BE IMPARTED OR CONVEYED FALSE INFORMATION, KNOWING THE INFORMATIONTO BE FALSE, CONCERNING AN ATTEMPT OR ALLEGED ATTEMPT BEING MADE OR TO BE MADE, TO DO ANY ACT WHICH WOULD BE CRIME PROHIBITED BY THIS CHAPTER OR XXXX XXXX XXXX XXXX XXXX  OF THIS TITLE SHALL BE SUBJECT TO CIVIL PENALTY OF NOT MORE THAN {$1000.00} WHICH SHALL BE RECOVERABLE IN CIVIL ACTION BROUGHT IN THE NAME OF THE UNITED STATES XXXX XXXX XXXX I writing to formally dispute and demand remedy for the denial of credit by your company on XXXX XXXX, concerning my application for auto loan, credit card, mortgage. 
Your adverse action letter failed to comply with federal consumer protection laws, including but not limited to : 1. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq.- You failed to provide a proper written statement of the specific reasons for denial within 30 days.- ECOA prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. 2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.- If your decision was based in whole or in part on a consumer report, you are required to disclose the name, address, and telephone number of the credit reporting agency used, along with notice of my right to obtain a free copy of my report and dispute any inaccurate information.

3. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.- Credit terms must be clearly and accurately disclosed when extending or offering credit. Any failure to do so constitutes a violation. As a direct result of these violations, I have suffered actual damages including but not limited to denial of financing, higher costs of credit, emotional distress, reputational harm. I hereby demand : a. Immediate correction and disclosure of all reasons for the denial ; b. Copies of all documents, reports, and communications relied upon in making your credit decision ; c.

Compensation for actual damages in the amount of {$50000.00} ; d. Statutory damages as allowed under ECOA ( {$10000.00} cap ), FCRA ( {$1000.00} per violation ), and TILA ( twice the finance charge or statutory cap ) ; e. Reimbursement of costs and reasonable attorneys fees if litigation is required. 
If I do not receive a satisfactory response within [ 15 days ] of receipt of this letter, I will pursue all available legal remedies in federal court without further notice. 
XXXX XXXX XXXX XX/XX/XXXX DATE am writing to formally dispute and demand remedy for the denial of credit by your company on XXXX XXXX, XXXX and XXXX. XXXX, XXXX, concerning my application for auto loan, credit card, mortgage. 
Your adverse action letter failed to comply with federal consumer protection laws, including but not limited to : 1. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq.- You failed to provide a proper written statement of the specific reasons for denial within 30 days.- ECOA prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. 2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.- If your decision was based in whole or in part on a consumer report, you are required to disclose the name, address, and telephone number of the credit reporting agency used, along with notice of my right to obtain a free copy of my report and dispute any inaccurate information. 
3. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.- Credit terms must be clearly and accurately disclosed when extending or offering credit. Any failure to do so constitutes a violation. As a direct result of these violations, I have suffered actual damages including but not limited to denial of financing, higher costs of credit, emotional distress, reputational harm. I hereby demand : a. Immediate correction and disclosure of all reasons for the denial ; b. Copies of all documents, reports, and communications relied upon in making your credit decision ; c. 
Compensation for actual damages in the amount of {$50000.00} ; d. Statutory damages as allowed under ECOA ( {$10000.00} cap ), FCRA ( {$1000.00} per violation ), and TILA ( twice the finance charge or statutory cap ) ; e. Reimbursement of costs and reasonable attorneys fees if litigation is required.

If I do not receive a satisfactory response within [ 15 days ] of receipt of this letter, I will pursue all available legal remedies in federal court without further notice. 
FRAUDULENT UNAUTHORIZED OPEN ACCOUNTS XXXX XXXX XXXX, XXXX FROM : TO : XXXX XXXX XXXX XXXX XXXX, GA XXXX FRAUDULENT UNAUTHORIZED OPEN ACCOUNTS XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT NUMBER XXXX ACCOUNT BALANCE XXXX DATE OPEN XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX THIS IS NOT MY ACCOUNT NUMBER XXXX ACCOUNT BALANCE XXXX DATE OPEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT NUMBER XXXX ACCOUNT BALANCE XXXX DATE OPEN XX/XX/XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT NUMBER XXXX ACCOUNT DATE OPEN XX/XX/XXXX BALANCE {$1200.00} FRAUDULENT LATE PAYMENT MARKED ON ACCOUNT XXXX XXXX XXXX MARK PAID AS OPEN XX/XX/XXXX AGREED BALANCE {$0.00} LATE PAYMENT MARKED YEAR XXXX AND YEAR XXXX XXXX MISSED INCORRECT MARKED XXXX XXXX XXXX XXXX AS OPEN XX/XX/XXXX AGREED BALANCE {$5400.00} LATE PAYMENT MARKED YEAR XXXX, XXXX MISSED INCORRECT MARKED XXXX XXXX MARKED PAID AS OPENED XX/XX/XXXX AGREED BALANCE {$240.00} LATE PAYMENT MARKED YEAR XXXX XXXX MISSED INCORRECT MARKED XXXX XXXX XXXXXXXX MARKED XXXX AS OPEN XX/XX/XXXX AGREED BALANCE {$60.00} LATE PAYMENT MARKED YEAR XXXX XXXX MISSED INCORRECT MARKED FRAUDULENT LATE PAYMENT MARKED ON ACCOUNT XXXX XXXX XXXX MARKED PAID AS OPENED XX/XX/XXXX AGREED BALANCE {$4700.00} LATEPAYMENT MARKED INCORRECT YEAR XXXX XXXX MISSED MARKED INCORRECT XXXXXXXX XXXX XXXX MARKED XXXX AS OPENED XXXX XXXX AGREED BALANCE {$0.00} MARKED INCORRECT YEAR XXXX XXXX MISSED MARKED INCORRECT XXXX  MARKED PAID AS OPENED XX/XX/XXXX AGREED BALANCE {$13000.00} LATEPAYMENT MARKED INCORRECT YEAR XXXX XXXX MISSED MARKED INCORRECT XXXX XXXX XXXXXXXX MARKED PAID AS OPENED XX/XX/XXXX AGREED BALANCE {$0.00} LATEPAYMENT MARKED INCORRECT YEAR XXXX XXXX MISSED MARKED INCORRECT FRAUDULENT UNAUTHORIZED INQUIRIES ON ACCOUNT XXXX XXXX  DATE XX/XX/XXXX I HAVE NOT AUTHORIZED USE ON ACCOUNT XXXX XXXX XXXX DATE XX/XX/XXXX I HAVE NOT AUTHORIZED USE ON ACCOUNT XXXX XXXX XXXX  DATE XX/XX/XXXX I HAVE NOT AUTHORIZED USE ON ACCOUNT XXXX XXXX XXXX XXXX  DATE XX/XX/XXXX I HAVE NOT AUTHORIZED USE ON ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX XXXX HAVE NOT AUTHORIZED USE ON ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation