Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX and Clarity Services XXXXXXXX regarding a significant issue I encountered during my application for a line of credit with XXXX XXXX XXXX. The actions and misrepresentations by these companies have caused me undue distress, humiliation, and potential financial harm. 

I applied for a line of credit with XXXX XXXX XXXX. To my surprise and embarrassment, I was denied credit due to false and inaccurate information provided by Clarity Services. XXXX XXXX XXXX sent me a denial letter stating that my application was declined based on a score of XXXX, which was supposedly provided to them by Clarity Services. This score is in stark contrast to the XXXX score I obtained directly from Clarity Services with no derogatory remarks ( see attached score and report ). 

I would like to highlight the following points : False Information : XXXX XXXX XXXX relied on inaccurate information provided by Clarity Services, resulting in the denial of my application. This has left me feeling extremely humiliated and frustrated. 

Unauthorized Sharing of Information : I never provided written consent to Clarity Services to share or furnish any information about me to third parties, including XXXX XXXX XXXX. 

Lack of Responsibility : Clarity Services has failed to take any responsibility for providing incorrect and misleading information to XXXX XXXX XXXX, which has further exacerbated the situation. 

Lack of Responsibility : XXXX XXXX XXXX has failed to take any responsibility in investigating and retrieving the CORRECT information as I told them countless times they have the wrong information. ( refer to denial letter that they sent me ) Potential Fraudulent Activity : I am deeply concerned that one or both of these companies may be engaged in fraudulent activities, especially XXXX XXXX XXXX. Despite providing them with security, which they converted into a receivable, they have failed to conduct a proper investigation to verify the true and accurate facts regarding my credit score. 

The communication between XXXX XXXX XXXX and Clarity Services has not only caused me great distress but also potentially damaged my reputation and financial standing. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against these companies for their misleading and possibly fraudulent practices. 

I kindly request that you review the attached documents, including the accurate credit score and report from Clarity Services, to verify my claims. I appreciate your prompt attention to this matter and look forward to a swift resolution to rectify the inaccurate information and restore my financial reputation. 


XXXX XXXX XXXX CLAIMS THESE ARE THE FACTORS AS TO WHY THEY DENIED ME : Key factors that adversely affected your credit score : Lack of sufficient relevant account information at Experian, Length of time since online payday loan opened, Lack of sufficient relevant account information, Number of reported bank accounts, The number of inquiries was also a factor, but effect was not significant THEY CLEARLY STATED THE EFFECT WAS NO SIGNIFICANT AND IF YOU LOOK AT THE COPY OF MY REPORT FROM CLARITY SERVICES YOU CAN SEE THAT THE FACTORS ARE INACCURATE, I DONT EVEN HAVE A PAYDAY LOAN OPENED.

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