Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7645882
Complaint Overview
Complaint ID: 7645882
Company: Experian Information Solutions INC.
Product: Credit reporting 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: California
ZIP Code: 95377
Date Received: 2023-10-04T12:00:00-05:00
Date Sent to Company: 2023-10-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I received an XXXXXXXX XXXX credit card in the mail with a {$6500.00} limit ready to be used after I would call to verify the card, I did not request or sign up for this card I do not do any business with XXXX or XXXX and never have. I checked my credit inquiries and see there was a XXXX XXXX inquiry done on XX/XX/XXXX that was not from me so I suspect fraud, it is marked as a hard inquiry and would like it off my credit especially since I have not has a hard inquiry since XXXX XXXX. I called the phone number on the card from XXXX to close the account, the initial person on the phone after telling them I had suspected fraud was trying to convince me to keep the XXXXXXXX card and was telling me all about its benefits, I told them no thanks just close it, they quickly said ok and basically hung up on me, after another call later in the day yesterday XX/XX/XXXX I spoke to someone else to make sure it was closed and they said it was. The odd thing about the second call to XXXX since I have never done any business with them is they had asked to verify my mothers name to verify it was me on the phone, I gave them my mothers maiden and they said that was correct. I am not sure how they would have or know that since the only answer to that question I have ever given to is my other bank card, with XXXX XXXX XXXX XXXX and on my XXXX account I use for credit reports/taxes.
Frequently Asked Questions
What is Complaint #7645882 about?
Complaint #7645882 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-10-04T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 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.