Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12588640
Complaint Overview
Complaint ID: 12588640
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: 48235
Date Received: 2025-03-20T12:00:00-05:00
Date Sent to Company: 2025-03-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against Experian regarding a data breach that has compromised my identity, resulting in unauthorized activity appearing on my credit report. Despite my repeated efforts to address this issue, Experian has failed to provide assistance, and the inaccuracies continue to impact my financial well-being. As a result of the breach, I have noticed several fraudulent accounts and unauthorized inquiries listed on my credit report, causing significant financial hardship. The discrepancies have lowered my credit score, making it difficult to secure loans and affecting my ability to conduct everyday transactions. In addition, I am dealing with ongoing personal stress and emotional injury as I attempt to resolve the matter. I immediately contacted Experian to dispute the unauthorized activity and correct my credit report. However, not only has Experian failed to respond to my inquiry, but they have also refused to investigate or take the necessary steps to rectify the issue. This lack of accountability and customer service is unacceptable. Given the severity of the situation and the damage that has already been done, I respectfully request the CFPB 's intervention in this matter. I ask that you assist me in ensuring Experian takes responsibility for the breach, investigates the inaccuracies on my credit report, and resolves the situation promptly. I have attached copies of my communications with Experian, including my dispute request, and any relevant documentation to support my claim. I kindly ask that you take immediate action to address this issue and prevent further harm to my financial stability and personal well-being. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue as soon as possible.
Frequently Asked Questions
What is Complaint #12588640 about?
Complaint #12588640 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 2025-03-20T12:00:00-05:00.
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.