Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14383789

CFPB complaint 14383789 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 June 30, 2025.

Complaint 14383789 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 14383789 was received by the CFPB on June 30, 2025. It was sent to Experian Information Solutions Inc. on June 30, 2025.

Complaint 14383789 was filed from Georgia. You can view all complaints from this state at /state/GA.

Dispute information is not available for complaint 14383789.

Complaint 14383789 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 14383789 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The FCRA governs the collection, dissemination, and use of consumer credit information, including rules about who can access reports and for what purposes. 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. The complaint alleges improper use of a credit report, which could indicate violations of the Fair Credit Reporting Act (FCRA) regarding permissible purposes for accessing consumer information.

This case highlights the importance of reporting companies adhering strictly to the FCRA's guidelines on permissible purpose for accessing and using consumer credit reports. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should be aware of their rights under the FCRA and monitor their credit reports for any unauthorized access or use.

In Georgia, as elsewhere, the FCRA dictates the permissible uses of consumer credit reports. This complaint was filed from Georgia.

Improper use of credit reports is a recurring issue across the credit reporting industry, often leading to regulatory scrutiny.

Improper use typically involves accessing or using a credit report for a purpose not explicitly permitted by the FCRA, such as for employment decisions without proper authorization or for marketing purposes without consent.

Consumers can file a complaint with the CFPB, dispute the inaccurate information with the credit reporting agency, and potentially pursue legal action against the entity that improperly used their report.