Consumer complaint received 2022-07-16
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Please reference below : I did not approve this referral to hard hit my credit. It stated there will be no hard hit to match you with a pre approval. I backed out of the portal to not go through with the inquiry. I had already signed up to stop sending me credit match alerts. Below is the letter I received denying me approval for a loan I did not request : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Applicant : You recently submitted a request to Experian - API ( Referral Source ) to see potential consumer loan options. At your instruction, the Referral Source sent your request to potential creditor ( XXXX ) to determine if you qualify for a loan. XXXX XXXX is one of the creditors that received your request. 

After carefully reviewing your application, we are sorry to advise you that we can not grant a loan to you at this time. If you would like to know the specific reasons why your application was denied, please contact our Customer Service Department shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. 

XXXX, XXXX Customer Service Department XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Telephone number : XXXX If we obtained or attempted to obtain information from a consumer reporting agency as part of our consideration of your application, its name, address, and toll-free telephone number is shown below. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you received is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. You can find out about the information contained in your file by contacting : EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Telephone number : ( XXXX ) XXXX We also obtained or attempted to obtain your credit score from the consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

_ _ If this box is checked, we attempted to obtain your credit score, but no score was provided. 

Your Credit Score : XXXX Date : XX/XX/XXXX Scores range from a low of XXXX to a high of XXXX. 

Key factors that adversely affected your credit score : Derogatory public record or collection filed Ratio of balance to limit on bank revolving or other rev accts too high Length of time accounts have been established Proportion of loan balances to loan amounts is too high TOO MANY INQUIRIES _ _ If this box is checked, we were not provided any key adverse credit factors. 

If you have any questions regarding your credit score, you should contact Experian at : Address : EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Telephone number : ( XXXX ) XXXX ___ If this box is checked, our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 

Sincerely, XXXX XXXX Customer Service Department Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is : Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.

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