Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8151271
Complaint Overview
Complaint ID: 8151271
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: 34207
Date Received: 2024-01-11T12:00:00-05:00
Date Sent to Company: 2024-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I'm XXXX XXXX, and I'm writing to discuss some issues with my credit report that I received from your agency. I recently discovered that my personal information was shared with a third party without my permission. This seems to go against the rules outlined in the Fair Credit Reporting Act. According to my understanding of the law, I have the right to know and control who gets my personal information. However, my report shows that some details were shared without giving me the chance to say no. I want to clarify that my problem is not with the companies I owe money to but with your agency for sharing my information without asking me first. According to the law, you're supposed to get my written consent before reporting my personal information, and I haven't given that consent. I'm asking for proof that I agreed to this, as required by law. I've also reported this issue to the Federal Trade Commission, and my complaint number is XXXX. I'm worried that this unauthorized sharing of my information might be a form of identity theft. I'm formally requesting the removal of the following accounts from my report within four business days : XXXX XXXX XXXX- Account Number : XXXX XXXX & XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I've also noticed some unauthorized inquiries on my report. I'd like these removed as well : XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX- Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX - Inquiry XXXX XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX I want to make it clear that I have the right to a fair and accurate credit report. Removing these accounts is crucial for correcting the mistakes in my report. Additionally, I'm asking for documentation on how you verified the disputed accounts and proof that I had the option to opt out of having my information reported. I expect you to address this matter promptly and resolve the dispute within four business days. If not, I may have to take further legal action. Thank you for your quick attention to this issue.
Frequently Asked Questions
What is Complaint #8151271 about?
Complaint #8151271 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 2024-01-11T12:00:00-05:00.
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.