An entry reading CONSUMERINFO.COM, INC. on your Experian credit report is, in most cases, Experian itself. ConsumerInfo.com, Inc. is the Experian subsidiary that operates the company’s consumer products — the free-report and credit-monitoring memberships — and when that service checks your file, the check is recorded under the corporate name rather than the brand you signed up under.
Who ConsumerInfo.com actually is
Two federal agencies have named the entity on the record. The Consumer Financial Protection Bureau brought a 2017 enforcement action against “ConsumerInfo.com, Inc., d/b/a Experian Consumer Services,” together with Experian’s parent companies, over how Experian marketed credit scores to consumers. A decade earlier, the Federal Trade Commission settled charges with “Consumerinfo.com, doing business as Experian Consumer Direct,” over “free credit report” ads that automatically enrolled consumers in a paid credit-monitoring program. Different decades, same company: ConsumerInfo.com, Inc. is Experian’s consumer arm.
Why it is on your credit report
If you have ever signed up for an Experian product — a free credit report offer, credit monitoring, score tracking — the service’s periodic checks of your file appear on your Experian report under the ConsumerInfo.com name. These are soft inquiries. The CFPB’s consumer guidance explains that account reviews and your own requests for your credit reports do not affect your credit scores and are shown only to you, not to companies that pull your report; Experian’s own consumer education says the same. A string of CONSUMERINFO.COM entries — even a long one — is usually nothing more than your own credit-monitoring membership doing its job.
When it is not you
The entry deserves attention when you never enrolled in anything. An Experian membership you did not create means someone else supplied your identity to open it, and an account opened in your name without your authorization is an identity-theft warning sign, not a curiosity. In that situation the inquiry itself is the least of it: read the rest of the file. Look for new accounts, new addresses, and hard inquiries you do not recognize, and pull your Equifax and TransUnion files as well at annualcreditreport.com.
Soft inquiry or hard inquiry?
A ConsumerInfo.com entry that appears only on the copy of the report you see — the consumer disclosure — and not to lenders cannot lower your score, and there is nothing to “remove” in the scoring sense. The picture changes if a pull you never authorized shows as a hard inquiry, or if unfamiliar tradelines arrive alongside it. Pulling a consumer report without a permissible purpose, and reporting accounts that are not yours, are exactly the practices the Fair Credit Reporting Act regulates.
How to make it stop, and when to dispute
If the entries trace to a membership you did open, canceling the membership through Experian’s consumer service ends the account reviews; the existing soft inquiries harm nothing. If you cannot explain the entries, dispute them with Experian in writing, identifying each item and stating that you never enrolled, and ask Experian to tell you what account generated them. If the answer points to an account someone opened in your name, treat it as identity theft and document everything.
When it becomes a legal claim
If an Experian membership was opened in your name and the file now carries accounts or inquiries that are not yours — or your disputes come back “verified” without the errors being fixed — the FCRA lets consumers recover actual damages, and in the right case statutory and punitive damages, from the companies responsible. Start with our pages on identity theft on credit reports and credit reporting errors; our FCRA attorney page covers how these cases work.
What it costs
The FCRA is a fee-shifting statute: when a consumer wins, the company pays the attorney’s fees. You pay nothing unless we win.
Where your situation fits
We represent consumers against the credit bureaus — including in disputes over what appears on their own files — and against the companies that furnish information to them. Send us the report showing the entries you cannot explain and we will tell you whether we see a claim. Contact The Kim Law Firm for a no-cost review.
Rated by the Clients We Represent
Richard Kim is rated 10.0 out of 10 on Avvo, with 35 client reviews averaging 5.0 out of 5 stars (as of September 2026) — read the reviews on Avvo. Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts. You pay nothing unless we win.
Published by The Kim Law Firm, LLC — about attorney Richard Kim. Last updated August 2026.