Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I wish to bring this matter before the CFPB. 
Experian has been reporting adverse and negative information about me to creditors. In fact it seems that this credit reporting agency is trying to damage my credit and my life. 
I have no words to describe the numerous rejection letters from all companies in the last 7 months, all attesting that the report came from Experian. 

The last straw was that I went to open an account last week with XXXX in XXXX XXXX and everything was fine until this morning when I received a mail from XXXX ( letter attached ) that they are going to cancel my account and close it because they received adverse information from my credit file through Experian to do so. 
What? 
What type of information other than bankruptcy or delinquency should result in this form of denial. 
In my two decades of banking int eh western world, if you have an issue with your credit or profile, the bank account will not be successfully open due to a block that would have been placed on the account. 
IT is not something that a bank finds out after the fact. 
This is unconscionable and smells of something sinister. 

At this time, it should not even be possible for the bank to obtain my credit information because my account is locked for inquiry, so at this time I am still wondering what happened and how it happened. 

The bank XXXX has no right to conduct a check on my social security with Experian or any other credit bureau without my consent. I have my credit file locked to prevent fraud and other nefarious activities of unscrupulous companies. 
The fact that this bank could prove to be of such a class, is not too shocking to me given their discriminatory practices in XXXX XXXX. 
For them to claim that Experian shared my credit information with them is not possible except Experian violated my privacy and my subscription with them which I pay for monthly. 
I pay them $ XXXX monthly for them to protect me from unscrupulous criminals who go stealthily to steal customers information pretending to be doing credit checks. 
I do not understand why XXXX or any bank would claim that they pulled my credit report and I have no notification to the effect that this was about to happen. 

It should not even happen, because what usually occurs is that I get notification and then I will unlock my account. This XXXX account is a checking account not a credit account, so I do not understand why the bank would say that they can not open an account with me because of information in my credit report. 

First, I need Experian to inform the CFPB what information is contained in my account to warrant me not to be qualified for a checking account. 
Second, I need Experian to explain how XXXX or any bank has been successfully pulling my credit behind my back, when I have locked the credit file using their tool which I pay for monthly. For this to happen, it means that other activities must be happening without my knowledge while I have been paying and thinking that I have a subscription offering me protection against such actions. 

I also need to make clear here that I have no adverse information in my credit report or anything that may warrant me not successfully opening a checking account. 
I was at their office and there was nothing in their system that gave any alarm about me. If indeed, I have an adverse credit problem, the system will immediately block any attempt to open the account. 
The only explanation is racially motivated attempt to deny me the privilege of an account. THIS IS RACISM AT PLAY BY XXXX XXXX  on XXXX XXXX XXXX, here in XXXX XXXX. 
It is important that XXXX understands that its branches in XXXX XXXX are conducting discriminatory and XXXX  actions against legal residents in the county. 

Also, Experian is conducting discriminatory practices with the intent to destroy the credit of certain people of certain demographics or status as part of some strategy. 
This has to stop! 
They should not have lied to anyone who rely on their information to make decisions. 
As in this case, this is a total lie and I want them to be investigated. 
Both Experian and XXXX have committed a crime against me here. 
They have violated my rights to Fair Credit Reporting and  also accessed my personal identifiable information without my consent and threatened me with adverse actions such as closing my account for no just cause, making a spurious claim against me. 
This bank threatened me with impunity. 

They have no justification to do what they did, but because they have XXXX people in this bank, they are now using racial profiling tactics, such as denying to open account based on  citizenship status among other things. 
They are discriminating against people in the United States legally. 
You need to investigate the XXXX XXXX! 

Can you imagine what they are doing and what they just did to me!? 
They are basically denying me access to a checking account using a BOGUS LIE!

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 non-monetary relief