Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12184912
Complaint Overview
Complaint ID: 12184912
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: Report provided to employer without your written authorization
State: Massachusetts
ZIP Code: 02760
Date Received: 2025-02-23T12:00:00-05:00
Date Sent to Company: 2025-02-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX XXXX XXXX, 2025 RE : Credit Report Dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am writing to formally dispute the reporting of closed accounts on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request that you investigate the following issue : 1. Lack of Written Consent : Under 15 U.S.C. 1681b, a consumer report may only be furnished under certain permissible purposes, typically requiring either the consumers written consent or a clear legal basis. I never provided written consent to any business to obtain or furnish my information regarding the closed accounts listed below. Therefore, I believe these accounts are being reported without a permissible purpose or authorization. 2. Request for Deletion of Inaccurate/Unauthorized Information : Because I have not given written consent for these specific closed accounts to be reported, and they do not appear to meet the permissible purpose criteria, I request that you delete all closed account information from my credit file. Please remove these accounts and send me an updated copy of my credit report once the investigation is complete. Below are the details of the closed accounts I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please investigate this matter and delete the unauthorized information from my credit report. In accordance with the Fair Credit Reporting Act, you have 30 days to complete your investigation and notify me of the results. Please send an updated credit report reflecting the changes once these items are removed. If you determine that the information can not be removed, please provide me with a detailed explanation and the method used to verify the accuracy or permissible purpose of the information in question. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12184912 about?
Complaint #12184912 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 2025-02-23T12:00:00-05:00.
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.