Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I received an unsolicited call from XXXX ( the number displayed on called ID as verified ). The caller identified themself as Experian Fraud Service ( or something similar ) and asked me if I had submitted a credit application for an XXXX XXXX XXXX card. They said the credit application was submitted in Texas. I responded that I had not submitted any credit application to XXXX XXXX. The caller thanked me for the confirmation and stated that they were going to transfer me to their account manager in order to assist me with refuting the credit application. 
I was connected with the account manager who asked me to confirm personally identifiable information. They had my correct email address, ending digits of my SSN, email address, and phone number. They asked again to confirm if I had attempted to request credit from XXXX XXXX. I responded that I had not. The account manager stated that they could assist with identifying the credit application as fraudulent and that they were going to do pull my credit report to check for credit inquiries. I was put on hold. 
When the account manager rejoined the call, they apparently had the latest version of my credit report because they were able to list accurately several of my active credit items, along with current balances, and latest payment amounts, and amounts due. The account manager then warned me that my credit report was " red-flagged '' and proceeded to explain to me that the red flag on the report meant that there were several high interest rate accounts and that he could help me resolve the high interest rates to reduce my monthly payments. 
I was uneasy about the amount of information that the caller had available to them and asked again what company they were calling from. The account manager assured me that it was Experian Fraud Monitoring. I had an Experian Identity Works membership that was provided due to the XXXX XXXX  XXXX ( or some other ) security breach and that membership had just expired on XX/XX/XXXX. I asked why they were still monitoring my accounts and why I received this call as a fraud notification if I no longer had an Experian Identity Works membership. The account manager stated that this was part of the Experian Credit Monitoring basic service.

The account manager continued to try to get me to discuss my accounts and focused in on a specific credit card account in order to continue the discussion about removing the " red flag '' from my credit report. I explained to him that I had never seen a red flag or any red flag notice on my credit report and asked him there was some way for me to see this red flag notice. He continued to press me to confirm the credit card account by giving me the first XXXX digits of the account number and asking me to confirm the account by providing the last XXXX digits. I told him I was not comfortable with that request. He said he understood and went through an explanation about Experian 's mission to protect credit users, that all calls are monitored and recorded, and asked if I thought he would have stayed on the line with me throughout this process if he was not trying to help me resolve the red flag notice. 
I told him I was not interested in resolving the red flag notice, I manage my credit cards in a way that makes the credit card interest rates irrelevant and that I was more interested in Experian notifying XXXX XXXX that the credit app was fraudulent. The account manager said he could do that, but wanted to resolve the red flag first. I asked him to provide the contact information for XXXX XXXX, so that I could contact them for more information about the credit application. The account manager said that I did not need to do that, Experian would handle the notification to XXXX XXXX. I asked him to do the notification and provide me with proof of the notification to XXXX XXXX. He stated that he would, but first we needed to address the red flag. 
I told him that I was not interested in resolving the red flag. He asked if I was interested in reducing the interest rates on these accounts in accordance with the FCRA and I told him no. He said thank you, XXXX bless you ( or something like that ), and ended the call. 
I checked my credit report and saw no inquiries from XXXX XXXX or otherwise since the last known inquiries in XX/XX/XXXX associated with a known credit application that I initiated. I locked my Experian credit report. 
I called Experian at XXXX and could not break through the automated " customer service '' bot to speak with an agent in order to inquire whether the above contact was a real fraud notification that still needed to be addressed or a fraudulent use of the Experian company name and my credit information.

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