Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding a troubling and unresolved incident involving Experian and XXXXXXXX XXXX XXXX, which has resulted in suspected identity interference, fraudulent reporting, and financial harm to both my personal and business credit profiles. 
On XX/XX/year>, I was pre- approved, then approved for a XXXX XXXX  credit card via Experian 's website portal. The card was sent to me, but before I received the card, and/or activation, I was informed by XXXX XXXX XXXX supervisors, and XXXX managers that the application was reported as fraud ; the card had been deactivated due to a fraud alert issued by Experian. The card was closed on XX/XX/year>, however as of XX/XX/year> Experian started reporting this account to my credit report. This is highly unusual since Experian was the party who facilitated the application via their website portal in the first place. I was informed by a manager with XXXX XXXX that on XX/XX/year> a fraud report was sent to them by Experian regarding my application that was submitted via an Experian website portal. On XX/XX/year>, ( that is dated XX/XX/year> ), I received a letter from XXXX XXXX XXXX  ( see attached ) indicating that my credit card application was flagged as unusual or potentially fraudulent. However, I never submitted the application fraudulentlyin fact, the application was submitted via Experian 's own credit card recommendation portal. I received a list of pre-approved credit card offers from Experian and applied for a XXXX XXXXXXXX card through their portal. After being approved, the card was mailed to me and I successfully activated it using the instructions provided. When I logged into XXXX XXXX 's website, I saw my account with a {$500.00} limit and {$0.00} balance. However, when I called to confirm activation, I was asked to submit sensitive documents via email, which raised concerns. After multiple follow-up calls, several XXXX XXXX supervisors informed me that Experian had placed a fraud alert on the same application they had recommended, approved and processed. I was informed by XXXX supervisors and XXXX managers ( overseas representatives ) for XXXX XXXX that Experian had placed a fraud alert against the very application they facilitated. 
Furthermore, Experian inaccurately reported the XXXX XXXX account as active with a balance on my credit report, despite the card being deactivated due to their internal fraud flag. The conflicting actionsrecommending a card, processing the application, then marking it as fraudare highly suspect and potentially harmful. 
Separately, Experian has also continued to report inaccurate business credit information on XXXX of my companies business credit, including : Incorrect business addresses Incorrect projected annual revenues Omission of active tradelines Dissemination of inaccurate information to XXXX XXXX XXXX I have made multiple efforts to correct these inaccuracies via XXXX and directly with Experian, with no resolution. These errors have damaged my business credibility and negatively affected my access to credit, vendor accounts, and funding opportunities. 
I respectfully request that the FTC investigate Experian 's practices in this matter, as their actions appear to be deceptive, unprofessional, and possibly in violation of the Fair Credit Reporting Act ( FCRA ). I am also requesting any guidance you can provide on how to restore the accuracy of my personal and business credit files and to hold Experian accountable. 
Thank you.

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