Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11107806
Complaint Overview
Complaint ID: 11107806
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: New York
ZIP Code: XXXXX
Date Received: 2024-12-10T12:00:00-05:00
Date Sent to Company: 2024-12-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you for your letter dated XX/XX/XXXX, regarding my concerns about the XXXX XXXX account ending in XXXX. While I acknowledge your prior response, I must reiterate and clarify my position. I have never alleged that this matter involves fraud. My dispute pertains solely to the unauthorized inquiry appearing on my credit report from XXXX XXXX XXXX, dated XX/XX/XXXX. Since I did not initiate this transaction, authorize the inquiry, or gain any benefit from it, the inquiry was made without a permissible purpose, in direct violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). I request that you refrain from placing any fraud alert or related annotations on my credit report as this would mischaracterize my dispute and create unnecessary complications. Under 15 U.S.C. 1681b, access to a consumers credit report is lawful only if : The consumer initiated a transaction. The consumer provided written authorization. There is a legitimate business need related to an existing account or transaction. Since none of these apply to me, the inquiry constitutes a direct violation of the FCRA. To resolve this matter, I request that XXXX XXXX XXXX : Remove the unauthorized inquiry from my credit report immediately. Provide written evidence of a permissible purpose or authorization if you believe the inquiry was justified. Compensate me {$1000.00} for violating my consumer rights under 15 U.S.C. 1681n, which provides for statutory damages for willful noncompliance. If this matter is not resolved promptly, I will file a complaint in federal court for your violation of my consumer rights. Be advised that I will not settle to allow XXXX XXXX XXXX to keep this case private. This matter will become public, and everyone will have the opportunity to see how your company routinely violates consumer rights. Court proceedings will cost your company far more than the {$1000.00} I am requesting in compensation. I am giving you the opportunity to make this right amicably by addressing this issue without delay. Thank you for your time and attention to this matter.
Frequently Asked Questions
What is Complaint #11107806 about?
Complaint #11107806 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 2024-12-10T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.