Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9140246
Complaint Overview
Complaint ID: 9140246
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: Texas
ZIP Code: 791XX
Date Received: 2024-05-30T12:00:00-05:00
Date Sent to Company: 2024-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : inquiry name : # XXXX, inquiring Date : XX/XX/XXXX, Inquiry name : # XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, inquiry name : # XXXX, inquiring Date : XX/XX/XXXX, Inquiry name : # XXXX, Inquiring Date : XX/XX/XXXX Inquiry Name : # XXXX XXXX XXXX inquiring XXXX XXXX XX/XX/XXXX, Inquiry Name : # XXXX, inquiring Date : XX/XX/XXXX, inquiry Name : # XXXX XXXX, Inquiring Date XX/XX/XXXX, inquiry Date : # XXXX OF XXXX, inquiring Date : XX/XX/XXXX, inquiry Name : # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Frequently Asked Questions
What is Complaint #9140246 about?
Complaint #9140246 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 2024-05-30T12:00:00-05:00.
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.