Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10912053
Complaint Overview
Complaint ID: 10912053
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: Georgia
ZIP Code: 30331
Date Received: 2024-11-23T12:00:00-05:00
Date Sent to Company: 2024-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, XXXX XXXX, am disputing inaccuracies and unauthorized inquiries on my credit report, which I believe violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am challenging the following : Inaccurate Personal Information : My name is incorrectly listed as " XXXX XXXX '' or " XXXX XXXX XXXX '' instead of my full legal name, XXXX XXXX XXXX. My date of birth is incorrectly reported as XXXX, but the correct date is XX/XX/XXXX. Unauthorized Inquiries : There are hard inquiries on my credit report from XXXX XXXX XXXX and XXXX XXXX dated XX/XX/XXXX, which I did not authorize. I am requesting that these discrepancies be corrected immediately. According to 15 U.S.C. 1681i ( FCRA Section 611 ), I am entitled to a proper investigation and resolution of disputes regarding inaccuracies in my credit report. I also expect that any incorrect personal information or unauthorized inquiries be removed as they are in violation of my rights. The Metro 2 standards for reporting require accurate and truthful information to be provided, and any failure to comply with these standards, including the use of standardized, non-specific responses to disputes, is a direct violation of my rights under 15 U.S.C. 1681i. The letter I submitted outlines my concerns, and I expect these issues to be resolved in full compliance with the law. Furthermore, I have explicitly stated that if the inquiries were not authorized, I expect them to be removed from my credit report. 15 U.S.C. 1681b ( FCRA Section 604 ) mandates that a permissible purpose must be demonstrated for any inquiry to be valid, and since these inquiries were not authorized by me, they should be promptly deleted. If these issues are not addressed, I will seek legal action, as failure to resolve these disputes in compliance with the FCRA would be a violation of my consumer rights.
Frequently Asked Questions
What is Complaint #10912053 about?
Complaint #10912053 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 2024-11-23T12:00:00-05:00.
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.