Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12303212

CFPB complaint 12303212 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 February 28, 2025.

Complaint 12303212 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.

Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.

Complaint 12303212 was received by the CFPB on February 28, 2025. It was sent to Experian Information Solutions Inc. on March 3, 2025.

Complaint 12303212 was filed from Florida. You can view all complaints from this state at /state/FL.

Dispute information is not available for complaint 12303212.

Complaint 12303212 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 12303212 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, including the reporting of inquiries. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Improper use of your report".

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.

This complaint is rated as low risk. The risk is low as the issue pertains to a specific inquiry and the company provided an explanation, suggesting a resolution or clarification was offered.

This case highlights the importance of credit bureaus having clear processes for addressing consumer disputes about credit inquiries. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should regularly review their credit reports for any unfamiliar inquiries and promptly dispute them with the credit reporting agency.

The complaint originated in Florida, and the resolution was provided by Experian Information Solutions Inc. This complaint was filed from Florida.

Experian, like other major credit bureaus, faces ongoing scrutiny regarding the accuracy and accessibility of consumer credit information.

A consumer should immediately contact the credit reporting agency (Experian, Equifax, or TransUnion) to dispute the inquiry and provide any relevant information. They may also want to contact the company that allegedly made the inquiry to verify its legitimacy.

This status usually indicates that the company responded to the complaint with information or a resolution that the CFPB deemed satisfactory, or that provided the consumer with necessary clarification.