Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8083270
Complaint Overview
Complaint ID: 8083270
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: Credit inquiries on your report that you don't recognize
State: Colorado
ZIP Code: 80104
Date Received: 2023-12-30T12:00:00-05:00
Date Sent to Company: 2023-12-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I hereby lodge a formal dispute regarding unauthorized credit inquiries on my consumer reports, alleging identity theft and fraud. This action is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, specifically sections 1681a, 1681b, 1681d, 1681e, and 1681g. These inquiries are a direct violation of my rights under these sections, which mandate accurate and fair reporting of credit information. Further, these unauthorized inquiries contravene my rights under the Truth in Lending Act ( TILA ), 15 USC 1601, and its implementing Regulation Z, 12 CFR Part 1026. TILA and Regulation Z ensure fair and transparent credit practices, which have been evidently disregarded in this instance. Additionally, under the Identity Theft and Assumption Deterrence Act, 18 USC 1028, I assert that these inquiries are a result of unlawful use of my personal information. The Electronic Fund Transfer Act ( EFTA ), 15 USC 1693, and its implementing Regulation E, 12 CFR 1005, also provide protections against such fraudulent activities. I demand a comprehensive investigation and immediate removal of these inquiries in strict compliance with the aforementioned laws. Failure to comply may result in further legal action. The following Inquiries are in question/violation : Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name EXPERIAN XXXXXXXX XXXX Date of request XX/XX/XXXX Account name EXPERIAN XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXXXXXX XXXX Date of request XX/XX/XXXX
Frequently Asked Questions
What is Complaint #8083270 about?
Complaint #8083270 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 2023-12-30T12:00:00-05:00.
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 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.