Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9390271

CFPB complaint 9390271 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 June 30, 2024.

Complaint 9390271 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 explanation". The response was marked as timely by the CFPB.

Complaint 9390271 was received by the CFPB on June 30, 2024. It was sent to Experian Information Solutions Inc. on June 30, 2024.

Complaint 9390271 was filed from Tennessee. You can view all complaints from this state at /state/TN.

Dispute information is not available for complaint 9390271.

Complaint 9390271 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 9390271 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) governs the permissible uses of consumer credit reports and prohibits their improper disclosure or use. 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 explanation". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. Improper use of a credit report can lead to financial harm and privacy violations for consumers.

Credit reporting agencies must ensure that entities accessing consumer reports have a permissible purpose, as defined by the FCRA, to prevent misuse. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should carefully review any credit reports accessed and report any unauthorized or improper use to the credit reporting agency and the CFPB.

This complaint originated in Tennessee, and state laws may also offer protections regarding consumer data privacy and credit reporting. This complaint was filed from Tennessee.

Improper use of credit reports is a recurring issue across the credit reporting industry, often stemming from data breaches or unauthorized access.

Improper use includes accessing a report without a permissible purpose, such as for employment, credit, insurance, or other legally defined reasons, or using the information for discriminatory or unauthorized purposes.

Consumers can dispute the improper use with the credit reporting agency, file a complaint with the CFPB, and potentially pursue legal action against the entity that misused their report.