Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16738322
Complaint Overview
Complaint ID: 16738322
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: South Carolina
ZIP Code: 29115
Date Received: 2025-10-21T12:00:00-05:00
Date Sent to Company: 2025-10-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Experian, I am disputing the presence of several unauthorized inquiries and potentially inaccurate late payment data on my credit report. 1. Unauthorized Inquiries Please identify the permissible purpose for each hard inquiry not linked to any open or positive account. Any inquiry made without my consent violates 1681b ( f ) and must be immediately deleted. 2. Late or Incorrect Account Reporting Any late-payment notation or status reported in error or without verifiable documentation must be removed under 1681i ( a ) ( 1 ) ( A ). If you can not verify through original creditor records, please delete the entry. 3. Personal Identifier Correction Please remove outdated names, prior addresses, or old employer data. Only retain the current identifiers listed above. I expect a complete written response within the 30-day statutory timeframe and a copy of my corrected report.
Frequently Asked Questions
What is Complaint #16738322 about?
Complaint #16738322 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 2025-10-21T12:00:00-05:00.
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.