Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #20904268
Experian Accused of Improper Credit Report Use in Georgia Complaint
Complaint Overview
Complaint ID: 20904268
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: Georgia
ZIP Code: 30045
Date Received: 2026-04-02T12:00:00-05:00
Date Sent to Company: 2026-04-02T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The complaint alleges improper use of a credit report, which could indicate violations of the Fair Credit Reporting Act (FCRA) if the reporting company used the report for impermissible purposes.
Consumer Sentiment: neutral
Topics: Credit reporting, Improper use of report
AI Analysis
CFPB complaint 20904268 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 in Georgia filed a complaint against Experian Information Solutions Inc. alleging improper use of their credit report, and the complaint is currently in progress. The complaint was received on April 2, 2026 from Georgia. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should keep records of all communications and documentation related to their credit reports and any disputes.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the collection, dissemination, and use of consumer credit information.
Regulatory Insight
This case highlights the importance of reporting companies adhering to the permissible purpose requirements for accessing and using consumer credit reports.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in Georgia, and state-specific consumer protection laws may also apply.
Industry Comparison
Credit reporting agencies are frequently subject to complaints regarding the accuracy and use of consumer reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20904268 about?
CFPB complaint 20904268 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 April 2, 2026.
Which company is complaint 20904268 filed against?
Complaint 20904268 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 20904268?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20904268 filed?
Complaint 20904268 was received by the CFPB on April 2, 2026. It was sent to Experian Information Solutions Inc. on April 2, 2026.
What state was complaint 20904268 filed from?
Complaint 20904268 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 20904268?
Dispute information is not available for complaint 20904268.
What product category is complaint 20904268 about?
Complaint 20904268 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 20904268 submitted?
Complaint 20904268 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 20904268?
The Fair Credit Reporting Act (FCRA) governs the collection, dissemination, and use of consumer credit information. 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 20904268 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20904268?
This complaint is rated as medium risk. The complaint alleges improper use of a credit report, which could indicate violations of the Fair Credit Reporting Act (FCRA) if the reporting company used the report for impermissible purposes.
What regulatory actions apply to complaint 20904268?
This case highlights the importance of reporting companies adhering to the permissible purpose requirements for accessing and using consumer credit 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 20904268?
Consumers should keep records of all communications and documentation related to their credit reports and any disputes.
Are there state-specific protections for complaint 20904268?
The complaint was filed in Georgia, and state-specific consumer protection laws may also apply. This complaint was filed from Georgia.
How does complaint 20904268 compare to industry norms?
Credit reporting agencies are frequently subject to complaints regarding the accuracy and use of consumer reports.
What constitutes 'improper use' of a credit report under the FCRA?
Improper use typically refers to accessing or using a credit report for a purpose not permitted by the FCRA, such as for employment decisions without proper authorization or for marketing purposes without consent.
What are the potential consequences for a credit reporting agency found to have improperly used a consumer's report?
Consequences can include actual damages, statutory damages, punitive damages, and attorney's fees, as well as potential enforcement actions by regulatory bodies.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.