Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13707121
Complaint Overview
Complaint ID: 13707121
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: Credit inquiries on your report that you don't recognize
State: Massachusetts
ZIP Code: 01830
Date Received: 2025-05-25T12:00:00-05:00
Date Sent to Company: 2025-05-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint regarding an unauthorized hard inquiry reported on my credit report with all bureaus, and mainly Experian. I did not apply for credit, authorize, or grant permission for this company to access my credit report. No permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, exists for this inquiry. I have not provided written, verbal, or electronic consent to this company to obtain my credit report. This unauthorized inquiry is adversely affecting my creditworthiness and violates my rights under the FCRA. I have contacted the credit bureau and the company listed below to dispute this inquiry and request its removal. To date, no resolution has been provided. Below are the details of the unauthorized inquiry : Inquiry : Inquiry Date : XX/XX/year>2025 Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year>2025 Creditor Name : XXXX I am requesting immediate deletion of this unauthorized inquiry from my credit report, in accordance with the FCRA. This inquiry was made without my authorization or permissible purpose, and I am exercising my rights under the law to dispute and have it removed.
Frequently Asked Questions
What is Complaint #13707121 about?
Complaint #13707121 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 2025-05-25T12:00:00-05:00.
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.