Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18398269
Experian Accused of Improper Credit Report Use, Case Closed with Explanation
Complaint Overview
Complaint ID: 18398269
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: Arizona
ZIP Code: 85138
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2025-12-31T12:00:00-05:00
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 a resolution or clarification was provided.
Consumer Sentiment: neutral
Topics: Credit reporting, Improper use of report
AI Analysis
CFPB complaint 18398269 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 reported that Experian Information Solutions Inc. improperly used their credit report, and the issue was closed with an explanation. The complaint was received on December 31, 2025 from Arizona. 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 use and accuracy of consumer credit reports.
Regulatory Insight
This case highlights the importance of reporting companies adhering to FCRA guidelines regarding the permissible purposes for accessing and using consumer reports.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Arizona, and the resolution was provided by Experian Information Solutions Inc.
Industry Comparison
Credit reporting agencies are expected to handle consumer report data responsibly and in compliance with regulations.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398269 about?
CFPB complaint 18398269 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 December 31, 2025.
Which company is complaint 18398269 filed against?
Complaint 18398269 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 18398269?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18398269 filed?
Complaint 18398269 was received by the CFPB on December 31, 2025. It was sent to Experian Information Solutions Inc. on December 31, 2025.
What state was complaint 18398269 filed from?
Complaint 18398269 was filed from Arizona. You can view all complaints from this state at /state/AZ.
Was the consumer satisfied with the resolution of complaint 18398269?
Dispute information is not available for complaint 18398269.
What product category is complaint 18398269 about?
Complaint 18398269 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 18398269 submitted?
Complaint 18398269 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 18398269?
The Fair Credit Reporting Act (FCRA) governs the use and accuracy of consumer credit reports. 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 18398269 to be resolved?
Resolution likelihood: likely. 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 18398269?
This complaint is rated as low risk. The risk is low as the complaint was closed with an explanation, suggesting a resolution or clarification was provided.
What regulatory actions apply to complaint 18398269?
This case highlights the importance of reporting companies adhering to FCRA guidelines regarding the permissible purposes for accessing and using consumer reports. 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 18398269?
Consumers should keep detailed records of all communications and documentation related to credit report disputes.
Are there state-specific protections for complaint 18398269?
The complaint originated in Arizona, and the resolution was provided by Experian Information Solutions Inc. This complaint was filed from Arizona.
How does complaint 18398269 compare to industry norms?
Credit reporting agencies are expected to handle consumer report data responsibly and in compliance with regulations.
What specific explanation was provided by Experian for the alleged improper use of the consumer's report?
The provided data does not specify the exact explanation given by Experian. Typically, such explanations would detail the permissible purpose for which the report was accessed or used.
What recourse does the consumer have if they disagree with the explanation provided?
If the consumer believes the explanation is insufficient or inaccurate, they may have grounds to escalate the complaint or seek legal counsel, especially if the improper use resulted in damages.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.