Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
15 USC 1681b : ( a ) In general : Consumer reporting agencies may furnish consumer reports under the following circumstances : In response to a court order or federal grand jury subpoena. 
In accordance with the written instructions of the consumer to whom it relates. 
To a person that the agency has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
To a person that the agency has reason to believe intends to use the information for employment purposes. 
In connection with the underwriting of insurance involving the consumer. 
In connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. 
For a legitimate business need in connection with a business transaction that is initiated by the consumer. 
To review an account to determine whether the consumer continues to meet the terms of the account. 
To determine a consumer 's eligibility for a pre-screened offer of credit. 
Practical Implications : Permissible Purposes : Consumer reports can be obtained and used only for specific and permissible purposes as outlined in the statute.

Written Consent : Consumer reporting agencies can provide a consumer report if they have the written instructions or consent of the consumer.

Credit Transactions : Information may be furnished to persons involved in credit transactions, including the extension of credit, review, or collection of an account. 

Employment Purposes : Consumer reports may be used for employment purposes, such as in the hiring process, with the consent of the consumer.

Insurance Underwriting : Information may be used in connection with the underwriting of insurance involving the consumer.

Governmental Benefits : Consumer reports may be used to determine eligibility for licenses or other benefits granted by a governmental instrumentality.

Legitimate Business Need : Reports can be obtained for a legitimate business need in connection with a business transaction initiated by the consumer.

Account Review : Consumer reports may be used to review an account to determine if the consumer continues to meet the terms of the account.

Pre-Screened Offers : Reports can be accessed to determine a consumer 's eligibility for pre-screened offers of credit. 

It's important for businesses and entities that request consumer reports to ensure they have a permissible purpose under the FCRA and comply with the law 's requirements. Consumers also have rights under the FCRA, including the right to know who has accessed their credit report and for what purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation