Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11766812
Complaint Overview
Complaint ID: 11766812
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 31705
Date Received: 2025-01-22T12:00:00-05:00
Date Sent to Company: 2025-01-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
THE ACCOUNT BEEN USE WITHOUT MY PERMISSION AS A OPEN ACCOUNT AND HAVE SEND LETTERS TO FIX THE PROBLEM AS WELL.DID THE I.D AND SELFIE PICTURE OVER THE PHONE PLUS CREDIT SCORE DROP FOR NO REASON AS I NOT USING IT AT ALL AT THE TIME PLEASE FIX YOUR COMPANY PROBLEM BY LAW AND CODES THAT THE COMPANY HAVE TO GO BY.THE I.D IS WITH THE LETTER AS WELL.. THANK YOU BUT HERE IS ANOTHER INQUIRY REMOVAL LETTER l XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specically as it related to credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this nal goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of ling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals Office, should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certied letter may result in a small claims action against your company, seeking {$1000.00} per violation 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11766812 about?
Complaint #11766812 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-01-22T12:00:00-05:00.
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.