Consumer complaint received 2024-11-01 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: SC

Complaint narrative:
On XX/XX/2024 someone applied for a XXXX XXXX Credit Card in my Name & they pulled my credit report & placed a Hard Inquiry on my all My Credit Bureaus! I never requested this account nor applied for this Credit Card because I have XXXX XXXX XXXX credit Cards which is the Maximum your allowed to have & due to the HARD INQUIRY made by XXXX XXXXXXXX & the other 2 Companies I reported which was XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I was unable to obtain a credit limit increase with any of my XXXX XXXX Credit Cards & caused me to have my Credit Score Drop over XXXX points & unable to obtain a pre authorization to obtain a loan for a house. This has ruined my Credit & availability to obtain Credit Limit Increases on any of My Credit Cards or Obtain A Pre Approval for Home Loan w/My Wife Any Linger Due to this! Ive requested for them to remove the Hard Inquiry because it was obtained Fraudulently w/o my Consent or my Permission & I have a Fraud Alert on all 3 Major Credit Bureaus stating not to pull my credit or attempt to open any accounts without contacting me & getting Permission to ensure that it was me attempting to open the account & its plainly listed on my Credit Bureaus & you can see it if you just look at any of my Credit Reports, but they still allowed them to pull a Hard Inquiry even though its a Fraud Alert posted on my account along with a statement written that Ive had multiple complaints filed & multiple times had someone attempting to open accounts in my name & even succeeded in opening 2 Credit Cards Fraudulently w/o my Consent, Permission, or Authorization to do so & they removed them due to being able to prove they were Fraudulently Opened. Ive also had Numerous Bank Accounts opened through XXXX XXXX XXXX without my Consent & their still allowing someone to continue opening Checking & Savings Accounts online w/o my Consent & Ive filed numerous Police Reports with the XXXX XXXX Sheriffs Department & its still occurring & nothing I do has stopped any of this & someone is still attempting & being allowed to obtain Credit Cards & Checking & Savings Accounts in my Name w/o consent or permission & Ive even notified all of the companies & they still are allowing someone to pull my credit even though theyre aware of all of the Fraudulent Activity on my Credit Bureaus & attempts to open accounts in my name! PLEASE HELP ME GET THIS HARD INQUIRY REMOVED FROM MY CREDIT REPORTS BECAUSE ITS LOWERED MY CREDIT SCORE & PREVENTED ME FROM BEING ABLE TO OBTAIN CREDIT LIMIT INCREASES ON ANY OF MY CREDIT CARDS THAT I OBTAINED FROM YEARS AGO TO LAST YEAR & UNABLE TO BUY A HOME BECAUSE OF ALL OF THIS! Please Help Me to do whatever I need to do in order to get these HARD INQUIRIES REMOVED OFF MY CREDIT REPORTS/BUREAUS & Prevent whoevers doing this from being allowed to continue when theyve been notified numerous times that its not me requesting these inquiries or Credit Cards that Im not applying for. Anything you can do Id be greatly appreciative of all your help! If theres anyone else that I can contact or report this too, please let me know & Ill notify them if I just know who to contact because nothing I do has prevented them from continuing to attempt in opening accounts in my Name Fraudulently w/o my Permission, Consent, or Authorization that Ive never given & yet their still being allowed to continue opening/attempting to open Accounts in my name Fraudulently. Thanks again for all your help!

Company response to consumer: Closed with explanation