Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10791752
Complaint Overview
Complaint ID: 10791752
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: Florida
ZIP Code: 32065
Date Received: 2024-11-13T12:00:00-05:00
Date Sent to Company: 2024-11-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I NOTICED ON MY CREDIT REPORT FROM EXPERIAN AND XXXX THAT I HAVE AN INQUIRY FROM ( XXXX XXXX) I DID NOT AUTHORIZED ANYONE EMPLOYED BY THIS COMPANY TO MAKE AN INQUIRY AND VIEW MY CREDIT REPORT.YOU HAVE VIOLATED THE FAIR CREDIT REPORTING ACT SECTION 1681b(c) .YOU ARE NOT LEGALLY ENTITLED TO MAKE THE INQUIRY.THIS IS A SERIOUS BREACH OF MY PRIVACY RIGHTS.I REQUEST THAT YOU EITHER MAIL ME A COPY OF MY SIGNED AUTHORIZATION FORM THAT GAVE YOU THE RIGHT TO VIEW MY CREDIT WITHIN (XXXX) DAYS SO THAT I CAN VERIFY ITS VALIDITY.MAIL IT TO THE ADDRESS LISTED ABOVE.IF YOU CAN NOT PROVIDE ME WITH PROOF THAT I AUTHORIZED YOU TO VIEW MY CREDIT REPORT THEN I AM DEMANDING THAT YOU CONTACT THE CREDIT BUREAUS IMMEDIATELY AND HAVE THEM REMOVE THE UNAUTHORIZED HARD INQUIRY IMMEDIATELY.I ALSO REQUEST THAT YOU REMOVE MY PERSONAL INFORMATION FROM YOUR RECORDS..PLEASE SEND ME A WRITTEN CONFIRMATION THAT YOU COMPLIED WITH MY REQUESTS.YOUR FAILURE TO COMPLY WITH MY REQUESTS WITHIN (5) BUISNESS DAYS WILL BE EVIDENCE USED IN FEDERAL COURT OF YOUR WILLFUL NONCOMPLIANCE {15 U.S.C. & 1681n} AND I WILL BE SEEKING STATUTORY DAMAGES,PUNITIVE DAMAGES AND THE COST OF ACTION AND REASONABLE ATTORNEY FEES.
Frequently Asked Questions
What is Complaint #10791752 about?
Complaint #10791752 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 2024-11-13T12:00:00-05:00.
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.