Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I applied for credit from XXXX XXXX XXXX to help with an upcoming XXXX procedure. Within minutes I received an online message and letter saying that the credit was denied. It also provided a link to a letter that explained why. Included in this letter it said that the credit was denied due to reports received from Experian and XXXX Credit Bureaus. It also referenced XXXX  however, it provided credit scores which seemed to only be from Experian and XXXX. 

The Experian Credit score said XXXX so I called Experian and asked why does my score say XXXX on the denial letter and XXXX on their website. The phone representative told me 3 times that my score is XXXX and I then asked him who was XXXX  and that I never heard of this agency before. He told me that theyre a company connected to them. 

Because of this I thought that it was safe to contact them. I also told the Experian representative that XXXX had reported my score to XXXX XXXX as XXXX. The Experian representative told me that XXXX is a company that reports on consumers who have payday landlords installment loans, rent to own loans and things of that nature. I went to their website and it says the same thing. 

Because I do not have payday loans or rent to own loans or installments loans or anything of that nature, I reached out to XXXX  by phone and the representative that answered the phone asked for my name, my Social Security number, my phone number, my address, my email address and then he asked for my name 3 more times but he proceeded to ask for my full name. I then gave him my middle name. 

Once I gave this man ALL of MY PERSONAL information he said that he could not help me. He said that he could not help me because he couldnt verify me physically. I asked him how could he verify me physically over the phone? It was at this time that we proceeded to argue back and forth because I wanted to know why if I gave him everything that he asked for correctly why he couldnt help me. He did not give a sensible answer. I then asked him that if he knew that he wasnt able to help me, why did he ask me for all of my personal information. 

We proceeded to go back and forth arguing. I was real upset because it seemed like a runaround and he wasnt making sense and he was very defensive. 

I asked him was it a scam and I told him that he was very unprofessional. It didnt make sense for this representative to make me give him all of my personal information in order to verify me and then tell me that he could not verify me physically. 

He claim that he needed documentation. I told him that I didnt even know that his company existed until a few minutes ago. 

I told him that he should have received documentation from Experian if they work with Experian and how is it that theyre giving incorrect information out about me and asking for my information but he cant tell me anything. 

It sounded strange to me. It didnt sound professional. I felt as though I was just scammed for my personal information and that now its nothing that I could do about it. 

Why is this company reporting bad and incorrect information on me? Why is this company collecting personal information from me but wont give me any details or information about my credit account? 

Can you please reach out to XXXX XXXX on my behalf regarding this matter? I am afraid now because they have all of my personal information and I know nothing about them AND they are giving bad reports out about me which are untrue.

Company response to consumer: Closed with explanation