Consumer complaint received 2018-10-19
Company: Experian Information Solutions Inc.
State: DC
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:
1. I noticed that there is XXXX XXXX on my credit report. XXXX XXXX as a hard inquiry for Auto Loan.

2. I do not know who XXXX XXXX is.

3.On XX/XX/2018 I submitted Loan app. to XXXX  Dealership in XXXX, VA.

The name is XXXX XXXX.

But it is XXXX XXXX and they run a Hard inquiry on my credit report.

It shows up on my Annual Credit Report by Experian.

4. Today I contacted EXPERIAN, spoke with a dispute personnel and I asked her to enter a dispute about Hard Inquiry by XXXX XXXX. I want XXXX XXXX to be removed from my credit report. It is hard inquiry and hurts my credit score.

5. Rep in Experian Dispute dept. was not polite and offensive to me, she too k my request of a CONSUMER, - offensively and disrespectfully.

She asked me if I applied for a auto loan on XX/XX/2018.

I asked her, why does she ask me this q?

She said : because when you apply for an AUTO LOAN with a dealer, the dealers usually pass this information to all their sources and financial friends. Buddies.

And every body runs their own hard inquiry.

I was not told about this when I applied for a Auto Loan with a very reputable XXXX XXXX dealer in XXXX. VA.

XXXX stands for its name and it means protection of the clients. So I thought.

I bravely gave my SSN and DL and all other confidential financial information in order to get a loan in amount of $ 40,000- {$45000.00}.

I was not told by XXXX XXXX of XXXX, that they are going to give my SSN to everybody. They gave it to XXXX XXXX and this is not XXXX XXXX of XXXX VA.

Bottom line is : I am afraid that maybe XXXX XXXX   Financial Manager got upset at me, as they got upset at me on XX/XX/2018 when I came to sign and close on my XXXX. I refused to accept XXXX XXXX Loan, {$40.00} 000 or more, with 6.5 % APR.

It was not affordable loan not to me.

In my turn, I obtained a loan from the XXXX XXXX XXXX in Washington DC where I am a member since many many years ago and my auto loan was 1.89 % APR.

Well this is all.

I do not recognise XXXX XXXX. I told about this to XXXX, a representative in EXPERIAN with whom I spoke today.

She refused to take my dispute over the phone and I told to her that I will call to FTC.gov to tell that Experian does not want to take my dispute over the phone. and is abusive over the phone like I am asking for some special favor or money or loan.

It was uncomfortable.

She told me that I can do whatever I want to do and call to FTC if I want to. She said that she does not care what i do.

In desperation I am filing this complaint about XXXX XXXX.

I already contacted XXXX XXXX about this in summer.

I contacted EXPERIAN today by phone.

And also mailed a letter to EXPERIAN in XX/XX/2018 with request to investigate and remove this hard inquiry.

I just noticed that there are too many double inquiries or unknown inquiries.

This inquiry is not XXXX XXXX nor XXXX nor Credit union nor the bank.

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