Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX'Initial complaint\nI am writing to dispute a hard inquiry that appears on my credit report. The inquiry was made by XXXX XXXX on or around XXXX  re: Acc XXXX XXXX XXXX XXXX When I requested a credit limit increase with this creditor, I was explicitly informed that the review would involve only a soft inquiry and would not affect my credit score. Despite this assurance, a hard inquiry was placed on my credit report without my consent. Because this hard inquiry was conducted under false pretenses and without my informed authorization, I request that it be removed from my credit file immediately in accordance with the Fair Credit Reporting Act (FCRA).\n\XXXX  response \nThank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below:  We confirmed that the credit inquiry submitted for your credit line increase request on XXXX XXXX XXXX, was a soft inquiry.  The hard credit inquiry dated XXXX XXXX XXXX was for the XXXX XXXX XXXX  application. When you apply for a credit card online, the Pricing and Terms information must be viewed before the application is submitted. The terms state that we will review your credit report. The Pricing and Terms are available on XXXX.  Information we send to the credit reporting agencies must accurately reflect your account activity and status. We wont request the inquiry be removed because the information we supplied to the credit reporting agencies is accurate.  We deny your allegation that we have violated any laws.\n\nNew response\n\nDear CFPB case review team\nThank you for reviewing my previous complaint regarding an unauthorized or misrepresented hard credit inquiry associated with my XXXX  credit limit increase request. I am submitting this follow-up because the timeline presented in XXXX  response does not align with the actual sequence of events reflected in my credit score data.\n\XXXX  response states that the hard inquiry dated XXXX XXXX XXXX  was related to a XXXX XXXX XXXX  application, while the credit limit increase on XXXX XXXX XXXX  only involved a soft inquiry. However, my credit monitoring records show that no change to my credit score occurred after XXXX XXXX  and that the only drop in my credit score occurred immediately after my XXXX  XXXX limit-increase request.\n\nThis indicates that the hard inquiry they reference was either:\n\t1.\tTransmitted to Experian only after XXXX XXXX XXXX XXXXMis-coded as a new-account inquiry when it was actually generated by the credit-line-increase review.\n\nI respectfully request that the CFPB direct XXXX  to:\n\t\tProvide timestamped proof (transmission logs or bureau submission records) showing the exact date and time the XXXX XXXX hard inquiry was transmitted to Experian.\n\t\tClarify whether any internal review on or after XXXX XXXX could have generated or re-tagged that inquiry.\n\t\tRemove the inquiry if it was incorrectly classified or transmitted under a misleading context.\n\nI am providing documentation showing the credit-score change timeline for your reference.\n\nThank you for your continued assistance.\n\nSincerelyXXXX XXXX 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