Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6560734
Complaint Overview
Complaint ID: 6560734
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: 33327
Date Received: 2023-02-11T12:00:00-05:00
Date Sent to Company: 2023-02-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The 3 CRA 'S are wrongfully reporting several inquiries on my credit report that I do not recognize nor authorized. I am writing to inform the CRAs to delete these erroneous inquiries. As they are violating my consumer rights governed by the fcra. I am writing to file a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, EXPERIAN, AND XXXX. I believe that the CRA 's have failed to comply with several provisions of the FCRA in its handling of my credit report, including the following sections : Section 604 - This section requires CRAs to provide consumers with a copy of their credit report upon request. Section 609 - This section requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. Section 611 - This section requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 - This section requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. Section 617 - This section provides consumers with a private right of action to sue CRAs and other parties that violate the FCRA. Section 623 - This section requires users of credit reports to provide notice to consumers before taking adverse action based on information in a credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 623 sets out the responsibilities of credit reporting agencies ( CRAs ) and furnishers of credit information with respect to the accuracy and completeness of credit information. Some of the relevant subsections of Section 623 include : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. 623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs. 623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information. 623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. The inquiries that need to be deleted are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX experian XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX Experian Business Cred You applied for credit on XX/XX/XXXX space Coast Credit Uni You applied for XXXX on XX/XX/XXXX XXXX : XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Frequently Asked Questions
What is Complaint #6560734 about?
Complaint #6560734 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 2023-02-11T12:00:00-05:00.
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.