Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: GA
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 attended a presentation with XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX was our representative. We were very interested in the vacation timeshare based on the information that was provided to us by XXXX. I specifically asked her twice if they would complete a soft or hard pull before I would apply because I did not want any hard pulls. She advised each time that it would be a soft pull only. We advised her and her manager that we had an event we needed to get to and would come back later to apply ; of course they made it seem like we needed to apply then yo get the additional promotion fincluding another 4000 in points, therefore I applied. Once we completed the paperwork and left a few minutes later, I was alerted by my credit monitoring system that I had a hard inquiry from XXXX XXXX XXXX I immediately text XXXX XXXX and informed her that I was disappointed that there was a hard inquiry instead of a soft pull and needed this hard inquiry removed. She advised that she would get with her manager and call me when she got off work. She called and indicated that they would take care of it. 
After doing further research on the company, I discovered they have several bad reviews regarding misrepresentation. We were given inaccurate information by XXXX regarding the credit pull as well as how many points it takes for 1 week vacation within the US. We decided to cancel the next day. I followed back up with XXXX on XX/XX/XXXX regarding the removal of the hard inquiry. On XXXX, I followed up again after no response. She then indicated that since I cancelled, she wasnt sure how it would be handled and gave me a phone number to call. I informed her that she needed to find out who I needed to speak with since she misinformed me. XXXX, she indicated that I would need to call the number XXXX. I advised her that the number was invalid and that she would need to provide me with a working number. I have not hear back from her since. 

On XXXX, I called the phone # indicated on my credit report # XXXX. I was transferred to someone ( forgot the name ) and left a message. Have not received a response. 

On XXXX, I called another number that I XXXX # XXXX. I spoke with member services rep XXXX XXXX, I advised her what happened and that I had my XXXX voice text messages between myself and XXXX XXXX She gave me her email XXXX to send the messages and her extension # XXXX. She advised that she would speak with her manager. I emailed XXXX the documents on XXXX. I have not received a response. I emailed her back this morning and I called her. I tried to leave a message however her voicemail is not set up. 

This company provides misinformation, misrepresentation and is therefore considered fraud. I did not give anyone permission to hard pull my credit. At this point, they need to remove the hard inquiry I have tried to dispute directly with Experian, however they indicated that they do not handle inquiry disputes an to dispute directly with the company. I advised that I have tried to dispute with the company however I am not receiving any response.

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