Consumer complaint received 2019-03-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im sending this in because experian didnt really answer my previous cfpb complaint. They did reply pretty quickly and semi explained my first question but in a way thats a bit confusing and ignored my second question, Whats ironic is i received another credit qualification email from experian just minutes after your previous reply and i was ignored how i can fix the 5 year thing or why that even happened to begin with. If its because of the credit freeze, Ten i wasnt i warned about that before hand? I didnt consent to it either and if the credit freeze is supposed to do the job its supposed to then why was the 5 year thing necessary? No, i wont call the toll free number on my report for two reasons. 1 : all that causes is a " he said this, she said that '' situation which i want no part of. If you have a problem with that then all does that is prove my point. 2 : Ive tried reaching out to that number before, the customer service call team is in XXXX. My point being its difficult for a customer service agent to help when they are only entry level and cough cough CAN BARELY UNDERSTAND ENGLISH. Its not just experian that does that either. XXXX and XXXX  do the same XXXX  mistake as well. I know its a lot cheaper to pay them their instead of anybody else but its still a really XXXX  mistake, a mistake that experian wont involve me with. Heres a copy and paste of the previous complaint. " " '' To make a long story short, I thought someone stole my identity so i placed a fraud/freeze alert on my experian. I then receive the freeze letter in the mail and also another letter saying that ive been removed from .... i forgot what it was officially called, basically credit cards/loan company 's cant pull my report for the next five years. Here are the problems. First off, lets say i want to unfreeze my credit report a few months from now ( im not saying i do, im just using that as an example! ) could i even apply to a credit card for the next five years? The 5 year thing confused me a bit. Is it just for when the credit freeze is in place? Could i have some extra details about that because tbh it seems a lot like i placed a freeze to help prevent my credit from being XXXX  over and then experian themselves XXXX me over. The main reason why im reaching out is because experian has been sending me emails ( marketing emails, i think ) about credit cards that im matched to, that im qualifed for. its more than just a one time thing as well. I've received at least a dozen from experian since placing the freeze. Im not sure what experian thinks but to me thats extremely concerning, Why is that happening when experian themselves said it wouldnt happen? Is someone else applying for those cards? Does someone else have access to my experian account? ( the online account or even the experian account itself, like the one you look at! ) Theres alot of different ways that i can look at this but all i know for a fact are these 3 things. 1 : Even under the best circumstances, it just being someone at experian doing some type of typo or something like that, thats still really bad because they still arent suppossed to be doing that. Whats the point of the credit freeze if it apparently doesnt freeze? I guess experian doesnt care about identity theft. Come on, you cant blame me for thinking that way when it seems to be that way! 2 : Experian better get to the bottom of this and BE HONEST while doing it because if i find out experian XXXX  something up and then lied about it as well, I swear on my grave experian will be 100 % liable for any damages that might arise from that. 3 : If there is anything that XXXX me over because of experians mistake, That will be an extremely bad day for experian in court. Please dont misunderstand me here, I dont want to take experian to court, im simply being honest, If experian XXXX something up, then can you really blame me for thinking that way? Whats going on!!? '' '' ''

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