Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13293407

CFPB complaint 13293407 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against Experian Information Solutions Inc. on April 30, 2025.

Complaint 13293407 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 13293407 was received by the CFPB on April 30, 2025. It was sent to Experian Information Solutions Inc. on April 30, 2025.

Complaint 13293407 was filed from California. You can view all complaints from this state at /state/CA.

Dispute information is not available for complaint 13293407.

Complaint 13293407 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 13293407 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 collection, dissemination, and use of consumer credit information, including rules around permissible purposes for accessing reports. 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: mixed. 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 medium risk. Improper use of a credit report can lead to financial harm and distress for consumers, potentially impacting their ability to obtain credit or housing.

Credit reporting agencies must ensure that entities accessing consumer reports have a permissible purpose under the FCRA to prevent misuse. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should carefully review their credit reports for any inaccuracies or unauthorized access and dispute any issues directly with the credit reporting agency.

In California, consumers have specific rights regarding their credit reports and can seek recourse for violations of privacy or improper use. This complaint was filed from California.

While Experian is a major credit bureau, instances of improper report use can occur across the industry, highlighting the need for robust oversight.

Improper use includes accessing a report without a legally permissible purpose, such as for employment, credit, insurance, or other transactions initiated by the consumer, or using information from a report for discriminatory purposes.

A consumer can file a dispute with the credit reporting agency, file a complaint with the CFPB, and potentially pursue legal action against the entity that misused their report.