Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11899353
Complaint Overview
Complaint ID: 11899353
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: Michigan
ZIP Code: 48221
Date Received: 2025-02-02T12:00:00-05:00
Date Sent to Company: 2025-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint regarding the violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ) Experian. Specifically, my non-public personal information ( NPI ) was improperly disclosed to non-affiliated third parties such as credit bureaus and third-party debt collectors without my knowledge, consent, or an opportunity to opt out. This disclosure occurred before I was fully informed, as required by the GLBA, and resulted in damage to my credit report and personal financial standing. Specific Violations : 1. Violation of 15 U.S.C. 6801 - Privacy of Consumer Financial Information My non-public personal information was disclosed to non-affiliated third parties, such as credit bureaus and debt collectors, without my explicit consent or knowledge. This constitutes a failure to safeguard my privacy and sensitive financial data, violating the GLBAs privacy protections. 2. Violation of 15 U.S.C. 6802 - Restrictions on Disclosures of Nonpublic Personal Information My sensitive data was shared with non-affiliated third parties ( credit bureaus and third-party debt collectors ) without providing me with proper notice or an opportunity to opt out of such disclosure, as mandated by the GLBA. I was not afforded the protections required under this section. 3. Violation of 15 U.S.C. 6803 - Opt-out Notice I was not provided with the required opt-out notice to prevent the disclosure of my non-public personal information to third parties, as required by law. This failure deprived me of my rights under the GLBA to control the sharing of my financial information. 4. Violation of 15 U.S.C. 6804 - Regulations and Enforcement The company has failed to comply with regulatory safeguards regarding my personal financial information. The unauthorized disclosures have caused a direct and ongoing harm to my financial standing and credit report.
Frequently Asked Questions
What is Complaint #11899353 about?
Complaint #11899353 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 2025-02-02T12:00:00-05:00.
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.