Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15197183
Complaint Overview
Complaint ID: 15197183
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: Florida
ZIP Code: 33141
Date Received: 2025-08-10T12:00:00-05:00
Date Sent to Company: 2025-08-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Remove the fraudulent and unauthorized credit inquiries listed below from my Experian credit report immediately. I am the victim of identity theft, and these inquiries were made without my knowledge, consent, or any legitimate permissible purpose. I am enclosing my FTC Identity Theft Report ( Report No. XXXX ) dated XX/XX/XXXX, filed under my legal name XXXX XXXX XXXX XXXX and current address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. This report confirms that I do not recognize these inquiries and that they are the direct result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the continued reporting of these inquiries constitutes multiple legal violations, including : FCRA 605B 15 U.S.C. 1681c-2 : Requires credit reporting agencies to block identity-theft-related information within four ( 4 ) business days after receiving a valid identity theft report. FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ) : Consumer reports may only be accessed for a permissible purpose. Accessing my report without authorization violates my privacy rights. FCRA 609 ( a ) ( 1 ) 15 U.S.C. 1681g ( a ) ( 1 ) : I have the right to know who accessed my file and under what authority. FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate or unverifiable information. FCRA 611 15 U.S.C. 1681i : Requires the bureau to investigate disputed information within 30 days and provide results. Unauthorized Inquiries to be Removed ( Experian Total : 6 ) : XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) My Legal Demands : Immediate blocking and removal of all above-listed inquiries. Written confirmation that these inquiries have been deleted from my Experian report. Full disclosure of any documentation allegedly used to authorize these inquiries. A copy of the investigation results in compliance with FCRA 611. Failure to comply with these demands will result in further legal action and escalation to the CFPB for enforcement.
Frequently Asked Questions
What is Complaint #15197183 about?
Complaint #15197183 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 2025-08-10T12:00:00-05:00.
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.