Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Credit Report Information Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report that I believe violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I have reviewed my credit report and identified multiple discrepancies that I would like to bring to your attention.

# # # Summary of Issues : 1. **Inaccurate Creditors Listed** : My credit report contains entries from the following creditors that I believe are incorrect or unauthorized : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not authorized any inquiries from these creditors, and I believe they are inaccurately reported on my credit file.

2. **Multiple Inquiries on the Same Date** : My credit report shows multiple inquiries from different creditors on the same dates ( XX/XX/XXXX and others ), which raises concerns about the accuracy and legitimacy of these inquiries.

3. **Potential Violations of the FCRA** : The presence of unauthoriz
ed inquiries and inaccurate creditor information may constitute violations of the FCRA, which mandates that consumer reporting agencies maintain accurate and complete information.

# # # Request for Investigation : I kindly request that the CFPB investigate these discrepancies and take appropriate action to ensure that my consumer rights are upheld. I have attached copies of my credit report highlighting the inaccuracies for your reference.

# # # Additional Information : - **Credit Reporting Agencies Involved** : Equifax, Experian, TransUnion - **Date of Credit Inquiry** : Various dates as listed above - **My Full Name** : XXXX XXXX - XXXX Security Number** XXXX XXXX - **Date of XXXX : XX/XX/XXXX I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance in resolving these issues.

# # # Summary of Issues : 1. **Unauthorized Inquiries** : - My credit report contains inquiries from several creditors that I did not authorize, including : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX **Potential Violations** : - **Fair Credit Reporting Act ( FCRA ) 604** : This section states that a consumer reporting agency may furnish a consumer report only for certain permissible purposes, including consumer-initiated requests. Unauthorized inquiries may violate this provision.

2. **Multiple Inquiries on the Same Date** : - My credit report shows multiple inquiries from different creditors on the same date ( XX/XX/XXXX ), specifically : - Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : - **FCRA 607 ( b ) ** : Requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information in the report. The presence of multiple inquiries from different creditors on the same date raises concerns about accuracy.

3. **Duplicate Entries** : - The same creditor ( e.g., XXXX XXXX ) appears multiple times in my report without clear justification.

**Potential Violations** : - **FCRA 607 ( b ) ** : Again, this section emphasizes the accuracy and completeness of consumer reports. Duplicate entries can mislead lenders and violate this requirement.

4. **Inconsistencies in Reporting** : - The inquiries are reported by different credit bureaus ( Equifax, Experian, TransUnion ) with discrepancies in dates and creditor names.

**Potential Violations** : - **FCRA 609 ( e ) ** : This secti
on allows consumers to request the sources of information in their credit report. Inconsistencies may indicate a failure to comply with this requirement.

5. **Misclassification of Creditors** : - The categorization of creditors ( e.g., " Finance other than personal, '' " Personal Loans Companies '' ) may not accurately reflect the nature of the inquiries, leading to confusion.

**Potential Violations** : - **FCRA 607 ( a ) ** : Requires consumer reporting agencies to provide accurate and complete information. Misclassification can lead to misinterpretation of creditworthiness.

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