Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5363886
Complaint Overview
Complaint ID: 5363886
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: California
ZIP Code: XXXXX
Date Received: 2022-03-24T12:00:00-05:00
Date Sent to Company: 2022-03-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022 I discovered hard inquiries on my XXXX, Experian, and XXXX credit reports. The following institutions had requested my credit information from the following credit bureaus : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Experian : XXXX XXXX ( twice ), XXXX XXXX XXXX XXXX I do not recognize these institutions, nor have I applied for any product with them, especially XXXX that would require my credit information. I called XXXX XXXX XXXX XXXX. They claimed they had no record of my information or a request for a financial product in their system. I asked them to then correct the hard inquiry. I was told they can not fix the hard inquiry because there is no record of an application containing my social security number. I called XXXX XXXX XXXX, but the number listed with the hard inquiry on my credit report was not a valid number. I called XXXX XXXX, but they, ike XXXX XXXX XXXX XXXX, claimed they had no record of my information or a request for a financial product with my social security number attached to it, in their system. Experian does not provide an option to file an online dispute against hard inquiries. I called Experian 's phone line but could not get a live a representative. I called their corporate office for help, but was repeatedly transferred to the same line that did not provide a live person to talk to. After numerous calls to get help, I reached a man named XXXX who said that Experian had no responsibility to remove the hard inquiry or do an investigation around it, and suggested I go directly to the creditor, by mail, and have it removed. However, he could not give me any instructions on how or where to contact the creditors to get the hard inquiries removed. XXXX does not provide an option to file an online dispute against hard inquiries. I completed an online chat with XXXX, and the representatitive insisted that I have to go to the creditor whom placed the hard inquiry to get it removed. I explained what had transpired when I contacted the institutions to have them remove the inquiry, but XXXX insisted that it was not XXXX 's responsibility to remove it or even verify that the request for my credit information was a valid request. I was able to file an online dispute with XXXX regarding XXXX XXXX XXXX. I have yet to hear back from them.
Frequently Asked Questions
What is Complaint #5363886 about?
Complaint #5363886 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-03-24T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.