Credit reporting or other personal consumer reports -- Unable to get your credit report or credit score -- Complaint #12074452
Complaint Overview
Complaint ID: 12074452
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-Issue: Other problem getting your report or credit score
State: Illinois
ZIP Code: 60610
Date Received: 2025-02-11T12:00:00-05:00
Date Sent to Company: 2025-02-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
These attachments are proof these agency are willing doing illegal and bias on reports. Violations under TILA Formal Demand for Removal of Unauthorized Hard Inquiry Under **15 U.S.C. 1681b**, a consumer reporting agency may only provide a credit report for permissible purposes, such as when I have given express written consent. Since I never provided such consent for this inquiry, its presence on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, under **15 U.S.C. 1681n ( a ), 15 U.S.C. 1681n ( A ), and 15 U.S.C. 1681n ( B ) **, any person who willfully obtains a consumer report under false pretenses or without a permissible purpose is liable for statutory damages, punitive damages, and attorney fees. This means that you too are in violation of federal law by continuing to report this unauthorized inquiry. I demand the immediate removal of this inquiry from my credit report. Failure to comply within **30 days** of receiving this letter will result in me pursuing legal action against all responsible parties, including but not limited to, filing a complaint with the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and my **State Attorney General 's Office**. I have attached a copy of my credit report highlighting the disputed inquiry, as well as a copy of my identification for verification purposes. Please investigate this matter and provide a written response confirming the removal of this unauthorized inquiry and provide a numeric FICO score.
Frequently Asked Questions
What is Complaint #12074452 about?
Complaint #12074452 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Unable to get your credit report or credit score. It was received by the CFPB on 2025-02-11T12:00:00-05:00.
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.