Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17210580
Complaint Overview
Complaint ID: 17210580
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: New Jersey
ZIP Code: 08816
Date Received: 2025-11-12T12:00:00-05:00
Date Sent to Company: 2025-11-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this formal complaint against TransUnion, Experian, and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards concerning an unauthorized hard inquiry reported by XXXX Mortgage on my credit report dated XX/XX/year>. I have never applied for credit, mortgage preapproval, or any related service from XXXX, XXXX, or XXXX XXXX, nor have I provided written consent or permissible purpose authorization as required by law. Despite my disputes, the inquiry remains, and none of the credit bureaus have provided verification of authorization.Violations of the Metro 2 Compliance Guidelines According to Metro 2 Format Section 6.2 and Appendix B, only inquiries with a documented permissible purpose ( such as a signed credit application, written consent, or valid service request ) may be furnished and reported. The reporting of this inquiry without verification constitutes a Metro 2 compliance violation, as there is no documentation confirming consumer authorization. Under Metro 2, any unverifiable or inaccurate reporting must be suppressed or deleted immediately to maintain data integrity.
Frequently Asked Questions
What is Complaint #17210580 about?
Complaint #17210580 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 2025-11-12T12:00:00-05:00.
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.