Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5162881
Complaint Overview
Complaint ID: 5162881
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: Reporting company used your report improperly
State: Texas
ZIP Code: 75482
Date Received: 2022-01-29T12:00:00-05:00
Date Sent to Company: 2022-01-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( 2 ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( 2 ). You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates. You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates.
Frequently Asked Questions
What is Complaint #5162881 about?
Complaint #5162881 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 2022-01-29T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.