Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9684875

CFPB complaint 9684875 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 July 31, 2024.

Complaint 9684875 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 9684875 was received by the CFPB on July 31, 2024. It was sent to Experian Information Solutions Inc. on July 31, 2024.

Complaint 9684875 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.

Dispute information is not available for complaint 9684875.

Complaint 9684875 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 9684875 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 accuracy and privacy of credit reports, including the process for disputing inaccurate information and 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: likely. 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 low risk. The risk is low as the issue pertains to a specific inquiry on a credit report, which is a common consumer concern and typically resolvable through standard dispute processes.

Credit bureaus must investigate disputes regarding credit report accuracy, including unauthorized inquiries, within a reasonable timeframe. 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 unfamiliar inquiries and dispute them promptly with the credit reporting agency.

In Pennsylvania, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from Pennsylvania.

This complaint is typical within the credit reporting industry, where consumers frequently dispute inquiries they do not recognize.

Consumers should immediately contact the credit reporting agency (Experian in this case) to dispute the inquiries and provide any supporting documentation. They can also contact the company that allegedly made the inquiry to verify its legitimacy.