Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Sometimes in XX/XX/2018 I applied for a Auto Loan at website XXXX what is my AUTO Insurance company since XXXX discovered that XXXX offers free membership to its members on website. I liked that idea, to have free membership to EXPERIAN .com website URL is https : //usa.experian.com or http : //usa.experian.com I usedand use this website daily to work on my credit reports. I thank XXXX for this offer. 
But after I submitted a Auto Loan application to XXXX bank, on XXXX website. and also to 2 other banks, -- I started to receive marketing materials from unknown to me lending companies, e.g. XXXX XXXX, or XXXX, or XXXX, or XXXX. 

I never heard about these lending companies before and I was suspicious. 
I thought that it is happening because I applied and received a AUTO LOAN. ( Which I already paid off ). 
But I did not apply for an Auto-Loan to XXXX XXXX, or XXXX XXXX, XXXX. 
I did not understand what was happening, how they knew about me etc. 

I contacted XXXX XXXX once. Because XXXX XXXX mails to me their offers for a loan from {$10.00} XXXX to {$40.00} XXXX almost weekly or bi-weekly. 
The man on other end answered and asked me for my address. I told him that I have a PIN number, printed on the CARD for a loan, a guaranteed offer for a loan. 
He said that he needs address and after that he could not find me, and asked for my SSAN. 
I said that I am no longer interested in loan and we parted. 

In XXXX on XXXX I OPTED OUT on website OPT OUT. 
I attach this page to my attached supporting docs. 
But already in beginning of XX/XX/XXXX I received another offer for a personal loan from XXXX XXXX. 
Maybe I need to give to OPT OUT website a little more time to really really OPT ME OUT? 
TODAY, on XXXX I was browsing my benefits website EXPERIAN Membership website. ( courtesy of XXXX membership ). 
On the top TAB of EXPERIAN membership website, there is a TAB " LOANS ''. 
I clicked on " LOANS ''. 
There were PERSONAL LOANS, STUDENT LOANS, Debt Collection loans, Auto Loans. 

ANd there in PERSONAl LOANS section I saw these USUAL SUSPECTS : lending companies who mailed to me offers for a personal loans from {$10.00} XXXX to {$40.00} XXXX from beginning XX/XX/2018. ( when I applied for a AUTO LOAN with XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) I received so many invitations offers from XXXX XXXX, and from XXXX - that on XXXX XX/XX/XXXX I OPTED OUT and yesterday I placed a fREEZE on my XXXX credit file. I need to freeze my EXPERIAN and XXXX too. 

Today, after I discovered that all these usual suspects lending companies like XXXX XXXX and XXXX and XXXX -- are partners of Experian, and are advertised on Experian membership website, I called to EXPERIAN membership website at XXXX. I spoke with a man, agent XXXX, Employee ID # XXXX XXXX XXXX, I asked XXXX to opt me out from marketing to me printed materials. He said that according to Experian I was already opted out from telemarketing. 
I said : but i still receive mails letters with offers and pHONY CHECKS in {$40000.00} looks like advertising, and I dont want EXPERIAN to advertise me as potential client for a personal loan. EXPERIAN offered free membership to members of XXXX. I dont know if experian offered XXXX free membership or XXXX offers to XXXX members free membership and XXXX pays for it for us. Nevertheless, I use this benefit from my website and I like it. But I noticed that something is very wrong, and that LENDING PARTNERS of EXPERIAN, as I discovered it today on Experian website TAB Loans, they received my confidential information from EXPERIAN and they try to sell to me their personal loans. 

I want it to stop. 
XXXX from Experian, ID XXXX, phone # XXXX, he said that he can not help me. He said that I am opted out from telemarketing. I asked him : do I need to call to FTC.gov? he said do what you need to do. I called to FTC.gov. I spoke with XXXX, Agent XXXX told to me that I must contact CFPB. Only CFPB can help me told to me XXXX today at ca XXXX PM. I called to her at number XXXX. Agent of FTC Agent XXXX gave me reference number # XXXX XXXX XXXX. This is FTC reference number about my concern to FTC about how lending companies received my information, and from whom and who is the bank or reporting credit agency who liek my financial information out to potential lenders. 

FTC agent XXXX told me to contact CFPB and ask for help with how to stop credit reporting companies from aggressive marketing of their loans. 

I also noticed that XXXX XXXX is in XXXX XXXX and lending company " XXXX '' is in XXXX XXXX  XXXX, XXXX, Arizona, XXXX and lending company " XXXX '' is in XXXX. XXXX  XXXX, XXXX XXXX, California XXXX, what is XXXX of XXXX XXXX XXXX XXXX XXXX These companies are in XXXX area or XXXX XXXX area or XXXX XXXX -- where XXXX XXXX and XXXX and XXXX XXXX are. I saw on TV about XXXX and XXXX and XXXX hearing on XXXX XXXX. And I am concern about who is lieking my financial information I just want them to stop it. It became very aggressive and unfriendly and suspicious. I dont want them to contact me anymore.

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