Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6518251
Complaint Overview
Complaint ID: 6518251
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: Pennsylvania
ZIP Code: 150XX
Date Received: 2023-02-01T12:00:00-05:00
Date Sent to Company: 2023-02-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
-- THIS COMPLAINT IS DONE BY THE CONSUMER AND NOT A THIRD PARTY -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. -- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. -- ( a ) In general. -- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : -- ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. -- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( A ) reporting information with actual knowledge of errors. -- A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. -- They do not have my permission to report on my consumer credit report. -- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me. ( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate. -- The following unauthorized inquiry is fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report this inquiry on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand it to be removed : -- ( XXXX. XXXX XXXX XXXX XX/XX/2022
Frequently Asked Questions
What is Complaint #6518251 about?
Complaint #6518251 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 2023-02-01T12:00:00-05:00.
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.