Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #19161228

CFPB complaint 19161228 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 January 31, 2026.

Complaint 19161228 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 "In progress". The response was marked as timely by the CFPB.

Complaint 19161228 was received by the CFPB on January 31, 2026. It was sent to Experian Information Solutions Inc. on January 31, 2026.

Complaint 19161228 was filed from Florida. You can view all complaints from this state at /state/FL.

Dispute information is not available for complaint 19161228.

Complaint 19161228 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 19161228 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 prohibiting improper use of 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".

Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. The complaint suggests a potential violation of the Fair Credit Reporting Act (FCRA) if Experian used the consumer's report for a purpose not permitted by law.

This case highlights the importance of credit reporting agencies adhering to strict permissible purpose rules when accessing and using consumer credit information. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should review their credit reports regularly and dispute any inaccuracies or unauthorized uses with the credit reporting agency and potentially the entity that accessed the report.

In Florida, consumers have rights under state and federal law to ensure their credit information is used appropriately. This complaint was filed from Florida.

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

Improper use typically refers to accessing or using a credit report for a purpose not explicitly authorized by the FCRA, such as for employment screening without proper consent or for marketing purposes unrelated to a transaction.

A consumer can file a dispute with the credit reporting agency, report the violation to the CFPB, and potentially pursue legal action against the entity that improperly used their report.