Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13828510
Experian Accused of Improper Credit Report Use in Ohio
Complaint Overview
Complaint ID: 13828510
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: Ohio
ZIP Code: 44117
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the complaint was closed with an explanation, suggesting the issue was addressed or clarified by the reporting agency.
Consumer Sentiment: neutral
Topics: Credit reporting, Improper use of report
AI Analysis
CFPB complaint 13828510 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer in Ohio reported that Experian Information Solutions Inc. improperly used their credit report, and the issue was closed with an explanation. The complaint was received on May 31, 2025 from Ohio. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communications and documentation related to credit report disputes.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the permissible purposes for which consumer reports can be accessed and used.
Regulatory Insight
This case highlights the importance of reporting companies adhering to FCRA guidelines regarding the proper use of consumer credit information.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
In Ohio, consumers have recourse through the CFPB for issues related to credit reporting and potential improper use of their reports.
Industry Comparison
Credit reporting agencies are frequently subject to consumer complaints regarding the accuracy and use of credit information.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828510 about?
CFPB complaint 13828510 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 May 31, 2025.
Which company is complaint 13828510 filed against?
Complaint 13828510 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.
What was the company's response to complaint 13828510?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828510 filed?
Complaint 13828510 was received by the CFPB on May 31, 2025. It was sent to Experian Information Solutions Inc. on May 31, 2025.
What state was complaint 13828510 filed from?
Complaint 13828510 was filed from Ohio. You can view all complaints from this state at /state/OH.
Was the consumer satisfied with the resolution of complaint 13828510?
Dispute information is not available for complaint 13828510.
What product category is complaint 13828510 about?
Complaint 13828510 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 13828510 submitted?
Complaint 13828510 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13828510?
The Fair Credit Reporting Act (FCRA) governs the permissible purposes for which consumer reports can be accessed and used. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Improper use of your report".
How likely is complaint 13828510 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13828510?
This complaint is rated as low risk. The risk is low as the complaint was closed with an explanation, suggesting the issue was addressed or clarified by the reporting agency.
What regulatory actions apply to complaint 13828510?
This case highlights the importance of reporting companies adhering to FCRA guidelines regarding the proper use of consumer credit information. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 13828510?
Consumers should keep detailed records of all communications and documentation related to credit report disputes.
Are there state-specific protections for complaint 13828510?
In Ohio, consumers have recourse through the CFPB for issues related to credit reporting and potential improper use of their reports. This complaint was filed from Ohio.
How does complaint 13828510 compare to industry norms?
Credit reporting agencies are frequently subject to consumer complaints regarding the accuracy and use of credit information.
What constitutes 'improper use' of a credit report under FCRA?
Improper use can include accessing a report without a permissible purpose, such as for employment or credit decisions, or using the information in a discriminatory manner.
What does 'closed with explanation' typically mean in CFPB complaint resolutions?
It generally means the company provided a response or justification for its actions, and the CFPB found the explanation satisfactory or the issue resolved to a certain extent.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.