Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11346152
Experian Addresses Unrecognized Credit Inquiries on Consumer Report
Complaint Overview
Complaint ID: 11346152
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: Georgia
ZIP Code: 30349
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2024-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue was addressed and closed with an explanation, suggesting a resolution or clarification was provided.
Consumer Sentiment: neutral
Topics: Credit reporting, Credit inquiries, Consumer disputes
AI Analysis
CFPB complaint 11346152 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer filed a complaint regarding unrecognized credit inquiries on their report from Experian, which was closed with an explanation. The complaint was received on December 31, 2024 from Georgia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for any unfamiliar inquiries and promptly dispute them with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, including the process for disputing inaccuracies.
Regulatory Insight
This case highlights the importance of credit bureaus having clear procedures for investigating and explaining disputed inquiries to consumers.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Georgia, and the resolution was provided by Experian, a major credit reporting agency.
Industry Comparison
This is a common issue within the credit reporting industry, where consumers may encounter unfamiliar inquiries due to various reasons.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11346152 about?
CFPB complaint 11346152 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Credit inquiries on your report that you don't recognize". This complaint was filed against Experian Information Solutions Inc. on December 31, 2024.
Which company is complaint 11346152 filed against?
Complaint 11346152 was filed against Experian Information Solutions Inc.. You can view all complaints against this company on their profile page at /company/experian-information-solutions-inc.
What was the company's response to complaint 11346152?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11346152 filed?
Complaint 11346152 was received by the CFPB on December 31, 2024. It was sent to Experian Information Solutions Inc. on December 31, 2024.
What state was complaint 11346152 filed from?
Complaint 11346152 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 11346152?
Dispute information is not available for complaint 11346152.
What product category is complaint 11346152 about?
Complaint 11346152 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 11346152 submitted?
Complaint 11346152 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11346152?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, including the process for disputing inaccuracies. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Improper use of your report".
How likely is complaint 11346152 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11346152?
This complaint is rated as low risk. The risk is low as the issue was addressed and closed with an explanation, suggesting a resolution or clarification was provided.
What regulatory actions apply to complaint 11346152?
This case highlights the importance of credit bureaus having clear procedures for investigating and explaining disputed inquiries to consumers. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 11346152?
Consumers should regularly review their credit reports for any unfamiliar inquiries and promptly dispute them with the credit bureau.
Are there state-specific protections for complaint 11346152?
The complaint originated in Georgia, and the resolution was provided by Experian, a major credit reporting agency. This complaint was filed from Georgia.
How does complaint 11346152 compare to industry norms?
This is a common issue within the credit reporting industry, where consumers may encounter unfamiliar inquiries due to various reasons.
What are the common reasons for unrecognized credit inquiries?
Unrecognized inquiries can stem from authorized users, identity theft, or even legitimate applications that were not clearly communicated to the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.