Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
To Whom May Concern, I'm very frustrated and very stressful at the moment that can't do anything in my own power to let XXXX XXXX  to removed the Hard inquiry the pull on XX/XX/2023. I have report to Identity theft.gov and CFPB now.. 
To make long story short. I went to XXXX XXXX While back to tried to applied for the XXXX XXXX business credit card called " XXXX XXXX  ". before I applied for XXXX XXXX XXXX credit card I SPICIFICALLY told the person that help me open the business credit card that I heard this business credit card does not require a hard pull on personal credit only through a business EIN tax number only. 
I have my ex-husband XXXX applied for me due to my XXXXXXXX XXXX is not great. From beginning to the end of the process we never gave the our social security number! We only gave them my driver license and my birthdate information. To be Honest. XXXX XXXX XXXXXXXX representative don't even know what she doing and even know if we can apply XXXX XXXX credit card in store or not. 
Anyway, the representative is the one who fill out the application for us but couples time she kept asking for my Social Security number to fill in the spot on the application but my husband told her that WE DO NOT WANT TO USE OUR SOCIAL SECURITY NUMBER AND WE JUST WANT TO USE OUR BUSINESS EIN NUMBER INSTEAD!!!!!!!!!! so we figure the representative get our point that we strictly don't want to use our social security number to ran our personal credit. She took a long time to fill out the application and have a lot a error along the way. The representative didn't even read any of the term and conditions at all like normally you will hear your term and condition after you submit any credit or loan application. After submitted the application it said still pending and will review for 5-7 business day which I think is normal. 
We received the notification that there a hard pull from XXXX Experian XXXX XX/XX/2023. At first I didn't even know which company that hard pull us when we didn't even apply for any credit cards or loan using our personal information recently. Then we found out is from XXXX XXXX XXXX  XXXX I tried to contact XXXX XXXX and ask them what going on and they point finger at XXXX XXXX  is the one who pull my credit. So I contact XXXX XXXX  but nothing is resolves. This is a unauthorize credit pull and Fraud activity that need to take off my account ASAP!!! Sorry, I'm really upsetting right now because of this hard inquiry I have stop the process of refinancing my home and it can causing my whole family to live out on the street soon if this problem is not fix ASAP.

According 15 U.S.C 1681 section 602 A. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.. I have evidence to prove my case.

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