Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I will start on XXXX when I was denied a refinance that I was asked to unfreeze my credit account asked by the car finance so they can get a look at my score to get a better rate then Im paying now at XXXX percent every month since XX/XX/XXXX of last year XXXX a month faithfully so I was told I was approved but by later that week XXXX I was denied at the same time I get an alert that I have a XXXX XXXX XXXX XXXX I paid for along with another paid service for by at XXXX XXXX that my identity was comprised in both XXXX and a later incident thats why Ive been on this XXXX cause a card was under my name I was compromised and I won in court prior to this incident in court so now on XX/XX/XXXX there was this derogatory remark that I received the same day I was denied after being approved found that strangely refinancing from the XXXX XXXX XXXX first says yes then no I found that odd I go on XXXX and they XXXX me from my paid services at this company is saying that I owe the bill.for XXXX Ive never received the bill. I never had no knowledge of a bill. Or These people have never contacted me prior to this I have identity works a paid service by XXXX XXXX XXXX. I have the furnisher that is stating that XXXX XXXX XXXX is the original creditor who is paiding for a Service for protecting my identity from this exactly and they did the total opposite and damage me cause they are the reporting agency that didnt investigate and would of known that cant be right cause at XXXX t would of told them what I already knew I did what they where suppose to do They should of XXXX asked XXXX  and I asked XXXX XXXX do u have a signature no do u have an id of me no to say that that was me that opened this account I informed them that my identity was compromised they wanted me to give them XXXX to pull my report with no investigation cause they wan na run my score i terminated the call I knew something was off I then call XXXX XXXX XXXX  on XX/XX/XXXX only to get a reference and to get the activation code to for settlement that they reassured me me that I do not have an account I will send you the correspondence to this. I now file a dispute with Experian the reporting agency thats supposed to protect me from this exactly.and did the exact opposite This is definitely bad faith on there r part. Shame on them so now I filed dispute and did what they where supposed to do from the start investigation and the I won that dispute because if they wouldve did their job, they wouldve called an XXXX XXXX XXXX wouldve told him there was no account so I did their job. I did the furnisher job when I went to file this dispute they leaked my address now this XXXX management sent mail to my house for the first time ever stating now that its XXXX that is the original credits called XXXX and speak to this XXXX reference number XXXX. He assures me that there is no account. I now call the Experian agent on the phone and we all three-way call the furnisher and on a recorded line I asked them simple question again how long have you been trying to get a hold of me about this bill? They said since XXXX I said really what number did you call XXXX he said yes I said really youre a liar because I changed my number in XXXX that is a lie. This conversation is done. You can confirm this with the identity Work Experian agent that it was on a monitored recorded line so in the process of me winning the dispute and me receiving the mail as XXXX XXXX being the credit or disputing that because then it was reinserted as XXXX and then then XXXX and fhe original creditor thats XXXX reinserted that it shouldve never been reinserted I dispute the first time now its reinserted I have to do the same process all over again all three agencies again file every agency do the protocol whatever I have to do they then wanted a specific thing for me. They wanted me to make a police report and Im OK with that. The problem with that I also have is, how can I file a police report if there is no account on what false pretenses to what theyre in their incompetency they did not re-investigating the case to not doing what they shouldve did and what they were paid for to do not only that they inserted in the third time as them being the original creditors I have that evidence as well, so with the same dispute in the process of sent me more mail that I should file this this thing FTC but again fraud to what if there is no mind you o can not get a hold of Experian cause there are paid account and free one with a user name XXXX account with an email with another but have the same number to verify both accounts well I get locks out so I cant even call or get a hold of them cause they want me to pay for this service that I already pay for when so then on line they want you to get the XXXX that dont work that XXXX XXXX XXXX said baby sit this guy for us and make sure no one does this and they couldnt even do that but they where XXXX percent accurate in taking money I dont think they to be honest did me fair my score had been up down but was own the last XXXX disputes cause of all this mess I also receive this letter from XXXX XXXX XXXX  XXXX XX/XX/XXXX stating recently you applied for a loan from XXXX XXXX XXXX XXXX XXXX the financial institution while shopping for a vehicle loan because we provide insurance to the financial institution to support its landing operations. We were provided information from the consumer reporting agency listed below the bureau, a.k.a. Experian about you to make our decisions whether to provide insurance to the financial institution relating to you they reported delinquent accounts not true to be honest I got approved for XXXX original balance now I cant get approved at a better rate something. XXXX wrong not only never late always in time history for XXXX after I correct more mistakes as of today they also when I got the original car loan they had me getting a score based on misreporting a card company saying was late tree yield with dif months i reported this for years it finally came off my report o did the investigation wot. That it all effected me when I I got this car and they killed me with this I just dont know Im sure there are other things that happened behind the sense that I dont know I dont know the language but I know they alm did me a disservice if this is fair then I and accurate well I have dont know

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