Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6382426
Complaint Overview
Complaint ID: 6382426
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, 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: Texas
ZIP Code: 78259
Date Received: 2023-01-01T12:00:00-05:00
Date Sent to Company: 2023-01-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Finance XXXX illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( XXXX ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX Bank ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ) and XXXX XXXX ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX Bank at a higher rate than the one with our financial institution, and falsely tried excusing himself using a XXXX XXXX of XXXX for my mom, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, XXXX of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX Bank XXXX Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.
Frequently Asked Questions
What is Complaint #6382426 about?
Complaint #6382426 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-01-01T12:00:00-05:00.
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.