Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9149509

CFPB complaint 9149509 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against Experian Information Solutions Inc. on May 31, 2024.

Complaint 9149509 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.

Experian Information Solutions Inc. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.

Complaint 9149509 was received by the CFPB on May 31, 2024. It was sent to Experian Information Solutions Inc. on May 31, 2024.

Complaint 9149509 was filed from Maryland. You can view all complaints from this state at /state/MD.

Dispute information is not available for complaint 9149509.

Complaint 9149509 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 9149509 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The FCRA governs the collection, dissemination, and use of consumer credit information, including rules on who can access reports and for what purposes. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Improper use of your report".

Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. The complaint suggests a potential violation of the Fair Credit Reporting Act (FCRA) regarding the permissible purpose for accessing or using a consumer's credit report, which could lead to regulatory scrutiny if systemic.

This case highlights the CFPB's ongoing oversight of credit reporting agencies to ensure compliance with FCRA provisions on report usage. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should regularly review their credit reports for any inaccuracies or unauthorized access and dispute any discrepancies with the credit reporting agency.

The complaint originated in Maryland, indicating potential geographic patterns or specific state-level consumer protection concerns. This complaint was filed from Maryland.

Credit reporting agencies are frequently subject to consumer complaints regarding report accuracy and permissible use, making this a common issue within the industry.

Improper use typically involves accessing or using a credit report for a purpose not permitted by the FCRA, such as for employment decisions without proper authorization or for marketing purposes without consent.

This means the issue was resolved without the company paying money to the consumer, but may have involved changes in company policy, procedures, or other actions to address the consumer's concern.