Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
State: TX
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:
Following information and recommendations provided to me as a member of Experian Credit, which uses information from my credit file to make recommendations of possible approval by some of its 3rd party partners of which XXXX XXXX is one of, I applied for a pre-qualification rate check through the XXXX XXXX website in which I was directed to through my Experian Credit file site, when I applied for the pre-qualification rate check, via XXXX XXXX Website, it was supposed to be a soft pull inquiry, instead, XXXX  XXXX preformed 3 Hard pull inquiries, one hard pull inquiry from each of the three major credit reporting agencies, Experian, XXXX, and XXXX. I did not authorize these hard pull inquiries as I was just applying to see if I could be pre-qualified expecting a soft pull. Immediately after I attempted to apply for a soft pull pre-qualification, my Experian Fico Score dropped 10 points, ironically Experian refered me to XXXX XXXX based on information in my Credit File while Implicating an improved Fico Score if I Added additional revolving debt to my Experian credit profile in which Experian refered me to XXXX XXXX for possible approval. Also, XXXX XXXX pulled additional credit reports from XXXX  and XXXX  which also caused both of those Fico Scores to drop. After contacting Experian via phone conversation on XX/XX/2021, an Experian representative informed me that By law, they were prohibited from allowing me to dispute inquiries with them and referred me to dispute directly with XXXX  XXXX Credit, I then called XXXX XXXX Credit and I was informed to write XXXX  XXXX and explain my complaint in order to open a dispute. It took literally seconds for XXXX  XXXX to drop my Fico Scores from Hard Pulls, that I was mislead into believing that I was applying for a soft pull pre-qualification for and now both Experian and XXXX XXXX Credit are in denial of unfair Credit Reporting practices by omitting and or downplaying in my opinion their roles in unfair Credit Reporting practices. I am putting XXXX  XXXX on notice that this complaint is to serve as my letter of explanation about the recent unauthorized hard inquiry pulls by deceit of my Experian, XXXX, and XXXX  XXXX XXXX and I'm asking for XXXX  XXXX to submit a request to all three Major Credit Reporting Bureau 's to Remove those inquiries from my Files. Please find attached a letter from XXXX  XXXX Credit with the denial reasons given to me which shows they pulled my XXXX  credit file but I was recommended to apply with XXXX  XXXX Credit from My Experian membership site directly. In fact, this is not the first time that XXXX XXXX has done something like this to me. It has happened before, this time I am just done allowing Financial Giants to ruin all the effort I have been making to Prove my credit worthiness and my chances of accessing fair financial market products and services. This has to stop, the very same reasons I'm being denied fair access to fair financial market products, are the very same products and services I am being encouraged to apply for by companies like Experian and XXXX XXXX, I get several emails every week from both and when I try to act on their invitations, they respond with negative response and adverse actions to acts they invited me to perform with their businesses. That is complete Reverse Productivity and or Openly misleading Business Practice.

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