Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4416511
Complaint Overview
Complaint ID: 4416511
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, 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: Florida
ZIP Code: 32725
Date Received: 2021-05-29T12:00:00-05:00
Date Sent to Company: 2021-05-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This complaint is being filed under the XXXX XXXX XXXX 's Office case number XXXX, as an attachment to a Class Action lawsuit, case number XXXX that was filed on XX/XX/XXXX, and that this complaint is a secondary Class Action lawsuit within the same information as described under the case number XXXX. This complaint is solely being filed under XXXX XXXX XXXX, as to " The Computer Fraud and Abuse Act '' that outlaws conduct that victimizes computer systems, that pertains to a Cyber Security Law. The HB 969 has failed consumers within this Class Action due to ongoing impropriety, a failure to observe standards ( that still have not been corrected ) after the HB 969 was signed into law. This complaint comes after I applied for a XXXX XXXX Debit Card with cashback features, known as a debit checking account from the IRS website of potential debit cards to receive a tax refund, a stimulus deposit, from a list of banks on the IRS website. I was " unable to be approved for my request to open a cashback debit account with XXXX XXXX from the IRS website list due to a XXXX XXXX, Inc issue. The information I received online was the following, 1 ) the XXXX XXXX Score was " not available '', 2 ) the XXXX XXXX Score Date was " not available ''. I, then requested a copy of my XXXX XXXX Consumer Report and found the same information under the Class Action Case XXXX that also applies upon myself. That on XX/XX/XXXX, XXXX applied for the XXXX XXXX Debit Cashback Card on the IRS website, that the following is deemed punitive, defamation of my character to provide incorrect, deceptive business practices upon my name, my social security number from the inquirer " XXXX XXXX '', on behalf of " XXXX XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX. Then on inquiry date of XX/XX/XXXX where the last XXXX of my driver 's license is shown, from address of P.O Box XXXX, XXXX, Florida XXXX, from " XXXX XXXX '' at P.O Box XXXX, XXXX, Florida XXXX, on behalf of " Integra/Greenline at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX I have never heard of this business, or any of its affiliates. On the same day XX/XX/XXXX from my previous mailbox of P.O Box XXXX, XXXX, Florida XXXX, along with the last four of my driver 's license and social security number for illegal verification from " Clarity Services '', a third party company that denies consumers with limited credit history from one of the credit bureaus named Experian. This was on behalf of XXXX XXXX XXXX, a company I have never heard of, nor any of their affiliates from Experian. The address to XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX, Il XXXX. Furthermore, a date of XX/XX/XXXX from address of XXXX XXXX XXXX, XXXX, Florida XXXX, along with the last XXXX of my social security number, last four of my driver 's license, but does not provide " on behalf of ''. This is a set example of " deceptive business practices '' upon the third party agency from Experian .I am seeking punitive damages and am adding this complaint to Case Number XXXX for the similar reasons mentioned in the Class Action Lawsuit, as to A ) Invasion of Personal Private " pull '' of my credit report " without my authorization '', B ) that Experian 's third party agency/company defines " deceptive business practices '' even after the HB 969 was signed into law, a ongoing federal violation under 18 U.S.C 1030, " the conduct that victimizes consumers over the computer, as a violation of the " Cyber Security Law ''. Lastly, XXXX XXXX has a Consumer Id number for myself as XXXX, and that my Social Security number will be hidden due to " privacy concerns '' upon my laptop. This complaint will also be filed upon with a DOJ case number of XXXX. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #4416511 about?
Complaint #4416511 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-05-29T12:00:00-05:00.
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, credit repair services, 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.