Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9390282

CFPB complaint 9390282 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Credit inquiries on your report that you don't recognize". This complaint was filed against Experian Information Solutions Inc. on June 30, 2024.

Complaint 9390282 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 9390282 was received by the CFPB on June 30, 2024. It was sent to Experian Information Solutions Inc. on June 30, 2024.

Complaint 9390282 was filed from Texas. You can view all complaints from this state at /state/TX.

Dispute information is not available for complaint 9390282.

Complaint 9390282 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 9390282 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) grants consumers the right to access their credit reports and dispute inaccuracies, including unauthorized inquiries. 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. The presence of unrecognized credit inquiries can indicate potential identity theft or unauthorized access to a consumer's credit report, posing a risk to their financial security and creditworthiness.

Credit bureaus have a responsibility to investigate disputes regarding inaccurate information on credit reports, including unauthorized inquiries, and to correct any errors found. 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 monitor their credit reports for any unfamiliar inquiries and dispute them immediately with the credit bureau and the creditor that made the inquiry.

The complaint originated in Texas, a state that, like others, adheres to federal regulations governing credit reporting. This complaint was filed from Texas.

Experian, as one of the major credit bureaus, is subject to the same regulatory scrutiny as Equifax and TransUnion regarding the accuracy and security of consumer credit information.

If unrecognized inquiries are found, a consumer should immediately place a fraud alert on their credit reports with all three major bureaus and consider filing a police report and FTC identity theft report.

Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information after the initial submission.