Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7803447
Complaint Overview
Complaint ID: 7803447
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: Florida
ZIP Code: 33572
Date Received: 2023-11-03T12:00:00-05:00
Date Sent to Company: 2023-11-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir/Madam, I am writing to dispute certain information on my consumer report as provided by your agency. I am raising this dispute under the provisions of 15 U.S.C 1681b, specifically focusing on the permissible purpose clause, as I have never provided written consent to your agency for the inclusion of this information on my consumer report. This lack of consent is a concerning issue as it may be indicative of identity theft, and I have already filed a report with the Federal Trade Commission ( FTC ) under Reference Number XXXX. The following accounts are being reported on my consumer report, and I request their removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to clarify that my dispute is not with the original creditors of these accounts but with your reporting agency 's inclusion of this information on my consumer report without my written consent, which I believe violates the permissible purpose provision under 15 U.S.C 1681b. According to 15 U.S.C 1681C-2 , it is mandated that these items should be removed within the statutory time frame. I kindly request your prompt investigation into this matter and the subsequent removal of the aforementioned items from my consumer report. Please provide written confirmation of the removals made and a copy of my updated consumer report once the necessary corrections have been completed. I expect this matter to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ) and the laws that protect consumer rights. Your immediate attention to this matter is greatly appreciated.
Frequently Asked Questions
What is Complaint #7803447 about?
Complaint #7803447 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-11-03T12:00:00-05:00.
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 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.