Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9149481
Consumer Claims Unauthorized Credit Reporting Constitutes Fraud
Complaint Overview
Complaint ID: 9149481
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Massachusetts
ZIP Code: 01841
Date Received: 2024-05-31T12:00:00-05:00
Date Sent to Company: 2024-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
The consumer's claim of fraud due to reporting without consent, if proven, could lead to significant legal and financial repercussions for the credit reporting agency.
Consumer Sentiment: negative
Topics: Credit reporting, FCRA, Consumer consent, Fraud
AI Analysis
CFPB complaint 9149481 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer alleges that incorrect information is being reported on their credit report and that they never provided written consent for this reporting, which they claim constitutes fraud under 15 U.S. Code § 1681b. The complaint was received on May 31, 2024 from Massachusetts. The company responded with "Closed with explanation".
Consumer Narrative
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for accuracy and understand their rights regarding consent for information sharing under the FCRA.
Legal Context & Consumer Protection Laws
15 U.S. Code § 1681b outlines the permissible purposes for which consumer reports can be obtained and used, and the consumer alleges a violation of this section.
Regulatory Insight
This complaint highlights the importance of credit reporting agencies adhering strictly to permissible purpose requirements and obtaining proper consumer consent.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint was filed by a consumer in Massachusetts.
Industry Comparison
This issue is common in the credit reporting industry, where disputes over accuracy and consent are frequent.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9149481 about?
CFPB complaint 9149481 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against Experian Information Solutions Inc. on May 31, 2024.
Which company is complaint 9149481 filed against?
Complaint 9149481 was filed against Experian Information Solutions Inc.. You can view all complaints against this company on their profile page at /company/experian-information-solutions-inc.
What was the company's response to complaint 9149481?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 9149481 filed?
Complaint 9149481 was received by the CFPB on May 31, 2024. It was sent to Experian Information Solutions Inc. on May 31, 2024.
What state was complaint 9149481 filed from?
Complaint 9149481 was filed from Massachusetts. You can view all complaints from this state at /state/MA.
Was the consumer satisfied with the resolution of complaint 9149481?
Dispute information is not available for complaint 9149481.
What product category is complaint 9149481 about?
Complaint 9149481 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 9149481 submitted?
Complaint 9149481 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 9149481?
15 U.S. Code § 1681b outlines the permissible purposes for which consumer reports can be obtained and used, and the consumer alleges a violation of this section. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Incorrect information on your report".
How likely is complaint 9149481 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 9149481?
This complaint is rated as high risk. The consumer's claim of fraud due to reporting without consent, if proven, could lead to significant legal and financial repercussions for the credit reporting agency.
What regulatory actions apply to complaint 9149481?
This complaint highlights the importance of credit reporting agencies adhering strictly to permissible purpose requirements and obtaining proper consumer consent. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 9149481?
Consumers should carefully review their credit reports for accuracy and understand their rights regarding consent for information sharing under the FCRA.
Are there state-specific protections for complaint 9149481?
The complaint was filed by a consumer in Massachusetts. This complaint was filed from Massachusetts.
How does complaint 9149481 compare to industry norms?
This issue is common in the credit reporting industry, where disputes over accuracy and consent are frequent.
What constitutes valid written consent for reporting information on a consumer report under the FCRA?
Valid written consent typically requires a clear and conspicuous disclosure of what information will be shared, with whom, and for what purpose, followed by the consumer's affirmative agreement.
What are the potential consequences for a credit reporting agency if they report information without permissible purpose or consent?
Consequences can include statutory damages, actual damages, attorney's fees, and injunctive relief, as well as potential reputational damage.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.