Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested an explanation as to why XXXX XXXX did a hard pull after advising Im pre approved with no credit impact. Then once I was advised I was approved they did a hard pull that cost me over XXXX plus points. Thus did not require a hard pull. After the pre approval they do not tell you your credit limit. After they do their hard pull they give you {$300.00}. Then advise you to ask for an increase. Then they take more points from your credit score. I have lost about XXXX points dealing with XXXX XXXX and Experian. XXXX XXXX  knows humans cant travel anywhere with {$300.00} in this day and time. I feel this is a deceptive fraudulent scam. Especially after I had to file complaints with CFPB, Floridas Attorney General, XXXX  XXXX XXXX and XXXX XXXX to make XXXX  XXXX post my payment. It is obvious they had no plans of posting my payment, but planned to keep it for themselves. If they do this to 50 % of their customers they will become and remain a wealthy company. I feel this was blatant theft and fraud and should be investigated as such. Seriously thinking about getting the States Attorney involved regarding that issue. I feel XXXX XXXX along with XXXX, XXXX, and definitely Experian are working together to prey on customers and take advantage of them, especially those that are single, not married.. Because of these unfair, deceptive, predatory and co conspiring unethical business practices, I was denied a decent place to live today. A credit score of XXXX and above is needed for XXXX approval. Thus us so unfair to my entire family. I filed a complaint regarding the point list issue months ago with CFPB. Why is my complaint closed and XXXX XXXX never responded or resolved the issue. I feel this is done to certain families to intentionally cause stress and strife.. XXXX  XXXX and Experian harassed me and still are to this day to get another XXXX XXXX card. I feel XXXX XXXX along with Experian, XXXX, and XXXX is not only violating my credit rights, but my civil rights. I feel the need to escalate and expose all of this. I have supporting documentation. I am also still waiting for XXXX  XXXX to advise me why they took almost two weeks to post a {$300.00} payment and only did so after I contacted CFPB, XXXX, Floridas Attorney General etc. Another thing since I filed complaints on XXXX XXXX I can no longer access their App. It is forcing me to have a phone with higher XXXX updates. No other apps does that. They will provide a later version so you can access it. XXXX XXXX provides the option for later version, but when you select it they do not allow usage. Experian has the very same unfair and deceptive business practices which is why I feel they are co conspiring against CERTAIN consumers, XXXX  XXXX responded to my previous complaint with CFPB by sending a letter stating they are still working on it. That was XXXX, it is XXXX and to date no response, no resolution, and the discrimination and retaliation continues. 
Experian and XXXX claim they do not know me and XXXX responded to my question with a question. They never answered it. XXXX claims they do not know who I am as well and still have me blocked from my account. Both XXXX and Experian supplied XXXX and XXXX XXXX with my credit file, but claim they have no idea. XXXX XXXX never responded. Thus speaks volumes. All of these companies have been exposed for unfair and deceptive practices including XXXX  XXXX. 

It appears that I may have to weigh my legality options because I truly feel that XXXX XXXX and Experian are in cahoots from my experience and numerous correspondence and emails from both companies. Especially that congratulations email from Experian after they to XXXX points away from my credit score they had the nerve to congratulate me for being approved for this XXXX  XXXX XXXX  card with a {$300.00} credit line. I feel they are co conspiring to make money off consumers. Experian and XXXX both have been harassing me with several emails daily trying to get me to buy their product, no. Credit report is free, especially after denials. 

Both XXXX and Experian both claim they do not recognize me after I filed complaints with CFPB, but they recognized me last week when they sent my credit file to XXXX and XXXX XXXX. Deception

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