Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9390908
Consumer Disputes Unauthorized Credit Inquiries on Experian Report
Complaint Overview
Complaint ID: 9390908
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: Indiana
ZIP Code: 46239
Date Received: 2024-06-30T12:00:00-05:00
Date Sent to Company: 2024-06-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Unauthorized credit inquiries can negatively impact a consumer's credit score and may indicate potential identity theft or fraudulent activity.
Consumer Sentiment: negative
Topics: Credit reporting, Unauthorized inquiries, FCRA dispute
AI Analysis
CFPB complaint 9390908 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer is requesting the removal of unrecognized credit inquiries from their Experian report, alleging they were added without authorization. The complaint was received on June 30, 2024 from Indiana. The company responded with "Closed with non-monetary relief".
Consumer Narrative
Kindly get rid of these inquiries. I don't have any information on this, and the company did it without my authorization.
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any unfamiliar inquiries or accounts immediately with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports, including unauthorized inquiries.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes promptly and accurately, and to remove any inaccurate or unverifiable information.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Indiana, consumers have rights under state and federal law to ensure the accuracy of their credit reports.
Industry Comparison
This issue is common across the credit reporting industry, as consumers frequently find unrecognized inquiries on reports from various bureaus.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9390908 about?
CFPB complaint 9390908 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.
Which company is complaint 9390908 filed against?
Complaint 9390908 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 9390908?
Experian Information Solutions Inc. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9390908 filed?
Complaint 9390908 was received by the CFPB on June 30, 2024. It was sent to Experian Information Solutions Inc. on June 30, 2024.
What state was complaint 9390908 filed from?
Complaint 9390908 was filed from Indiana. You can view all complaints from this state at /state/IN.
Was the consumer satisfied with the resolution of complaint 9390908?
Dispute information is not available for complaint 9390908.
What product category is complaint 9390908 about?
Complaint 9390908 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 9390908 submitted?
Complaint 9390908 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 9390908?
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports, 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".
How likely is complaint 9390908 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 9390908?
This complaint is rated as medium risk. Unauthorized credit inquiries can negatively impact a consumer's credit score and may indicate potential identity theft or fraudulent activity.
What regulatory actions apply to complaint 9390908?
Credit bureaus have a responsibility to investigate disputes promptly and accurately, and to remove any inaccurate or unverifiable information. 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 9390908?
Consumers should regularly review their credit reports for accuracy and dispute any unfamiliar inquiries or accounts immediately with the credit bureau.
Are there state-specific protections for complaint 9390908?
In Indiana, consumers have rights under state and federal law to ensure the accuracy of their credit reports. This complaint was filed from Indiana.
How does complaint 9390908 compare to industry norms?
This issue is common across the credit reporting industry, as consumers frequently find unrecognized inquiries on reports from various bureaus.
What steps should a consumer take if they suspect identity theft due to unauthorized credit inquiries?
If identity theft is suspected, the consumer should file a police report, place a fraud alert on their credit reports with all three major bureaus, and consider a credit freeze.
How long does a credit bureau typically have to investigate a dispute?
Under the FCRA, credit bureaus generally have 30 days to investigate a consumer dispute, with a possible extension to 45 days if the consumer provides additional information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.