Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: AR
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

Complaint:
I have illegal/ unauthorized " hard pulls '' / inquiries on both my Experian and XXXX credit reports. I did not give written, verbal, or electronic permission for these. I have written both credit monitoring agencies and asked them to delete these illegal inquiries, as they are hurting my scores. I have heard nothing from either and I am tired of being ignored. 

Just on my Experian credit report alone : dated XX/XX/XXXX shows Experian pulling my my credit report 3 times since XX/XX/XXXX for XXXX  XXXX XXXX. The ONLY time I have applied for a XXXX  XXXX XXXX card was XX/XX/XXXX but no time before or after, yet Experian shows hard pulls dated XX/XX/XXXX and XX/XX/XXXX in addition to the one I did pull myself on XXXX. I did apply for credit on XX/XX/XXXX because at the time I thought my XXXX  score of XXXX would have been sufficient to obtain a card with perhaps a {$2000.00} - {$2500.00} limit. No hard pulls were authorized by me except the XX/XX/XXXX credit application which resulted in a rejection of credit. 

Experian also allowed multiple hard pulls from XXXX  on XXXX, and again on XXXX. I did not apply for these because I had a previously old account with money outstanding, which I have now paid in full through their collection agency. Since I owed money on a 3 -year old card, why would I even bother to apply for credit with XXXX? It's illogical and makes no sense! I did not apply either time with XXXX, nor XXXX of XXXX hard pulls I describe above concerning XXXX  XXXX  XXXX. I last applied for a XXXX secure card back in XXXX and was approved for the card once I sent in {$500.00} as a security deposit. 

I am irritated and feel I've been robbed so I am seriously contemplating legal recourse. Before taking this to Court, I am offering both Experian and XXXX to drop/delete the incorrect ( illegal ) hard pulls on my credit by simply deleting them entirely. If this is not done, I will have my attorney begin the proceedings in Court here in Arkansas where I live. 

I also do not understand how my entire credit file and score is no longer listed with XXXX? I have several active, up to date, and paid on time credit card accounts plus an installment loan, yet Experian shows none of this. It's like I have died! They literally show no information for me. About 4 weeks ago they had a score for me and only showed 2 old accounts where I was an authorized user. Today XXXX shows nothing at all, yet I have valid credit accounts and pay them before they are due.. I have not closed any credit cards in my name, nor paid anything off in full, so all accounts that are active on Experian and a few that show on XXXX, should easily show up as being reported on by XXXX. 

I can not understand all these problems with my credit. I am XXXX XXXX XXXX, I am alive, I have good, active credit, and to my knowledge no one has stolen my social security number and used it. There is no one on Earth who has permission to use my information other than myself under the name XXXX XXXX XXXX or XXXX XXXX XXXX, or XXXX XXXX XXXX high School days back in XXXX ). One and all are the same person, me. I have co-signed for no one and no one has co-signed for me. I am involved in zero joint accounts. 

Please get all this mess lined out for me and delete the hard pulls I did not authorize, as well as " encourage '' Experian to show my credit files/history, etc. Without it I am severely handicapped obtaining new credit, and eventually a loan for a house I am just beginning to look for. 

Sincerely, XXXX XXXX XXXX Please advise.

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