Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, at approximately XXXXXXXX XXXX XXXX, I received a XXXX XXXX alert that Utah XXXX XXXX XXXX ( UCCU ) attempted a hard inquiry. Although I have existing accounts with XXXX, I did not have any loan balances nor was I instigating any new loans through XXXX. Approximately XXXX minutes later, I received an email from XXXX with a property valuation report for a property located in XXXX XXXX, Utah ordered by XXXX XXXX. This valuation request listed me ( XXXX XXXX ) as the borrower. I currently reside in Georgia and had not requested the valuation report ; I was not involved in the real estate transaction in any manner. At XXXX XXXX  I received emails from Experian alerting me to a hard credit inquiry. At XXXX XXXX, I received another email from XXXX instructing me to review and sign a loan application for the property in XXXX XXXX, Utah. At XXXX XXXX, I received an email from XXXX stating loan application # XXXX was voided with the reason " wrong email. '' This is factually incorrect as the error was misapplication of my SSN and credit information for a loan of which I was not a party. 
I spoke to a representative of XXXX on XX/XX/XXXX, wherein XXXX acknowledged that their loan officer had used my SSN and credit information on a loan application for a different credit union member. The other credit union member shared my same first and last name ( XXXX XXXX ), but different middle name. This other credit union member is unknow to me and not related to me in any fashion. During the call on XX/XX/XXXX, I was informed that XXXX had already closed the inquiry in their system. I was further informed that they would send a letter to Experian requesting the hard inquiry be fully removed as it was due to XXXX  error. 

I submitted a report to Experian refuting the hard inquiry. On XX/XX/XXXX, I received notice from Experian that a decision had been made. I spoke with an Experian representative and was told the hard inquiry could not be removed from my credit report because the requesting agency ( XXXX ) had not submitted the required documentation. I was informed the credit union needed to submit a document or letter specifying the hard inquiry was requested by their mistake. 

I again contacted XXXX on XX/XX/XXXX and the representative XXXX XXXX ) indicated that although the loan application was closed there was no record of XXXX sending documentation to Experian. XXXX informed me I would need to speak to the loan division XXXX. I was given his name XXXX XXXX, but XXXX was unwilling to provide me with his direct contact information ( email/phone ) or full name. XXXX stated she left a message for XXXX XXXX and that XXXX would call me back. I never received any calls or emails from XXXX XXXX. 

On XX/XX/XXXX, I reviewed by Experian credit report where the hard inquiry was still present. On XX/XX/XXXX, I called XXXX and asked to speak with the loan division XXXX, XXXX XXXX XXXX was told XXXX was unavailable and that they left a message for him to return my call. To date I have received no communication from XXXX XXXX or the loan division at XXXX. 

As of XX/XX/XXXX, the hard inquiry persists on my Experian report. Additionally, addresses associated with the other credit union member appeared on some credit reports as well as unrelated medical records, indicating XXXX  error has created continued, persistent errors on my credit report ( XXXX ).