Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The question here is who side are you on FTC, Im an American citizen here asking for my life back. Ive been asking for years, from Experian, XXXX, XXXX XXXX, XXXX XXXX  and almost every company is just happening to have a breach, supposedly, I find it a coincedince, being that we are dealing with a covid. A time that is perfect for any criminal or credit borough to get away with making money off my identity. If Im wrong in the end based on stable facts an apology will come ... 
It started I believe XXXX seen a lien in mail, I read it and thought to myself huh just another of the million things I have to fix that do not belong to me. Eventually I was on phone for hours and days with all the credit Burroughs early XXXX XXXX tears in my eyes tired because my bank accounts were getting run up, XXXX XXXX, XXXX and more they called and treated me like the criminal and Im the one here that got took for all I had in the bank as I was staying in a hotel, already trying to get by ... yet every day and night my family heard me on phone angry, daily disputing my credit and to no avail the address thats been on file for me XXXXyrs. No one informed me they had a breach and my personal info was out there, not only out there innacurate, my credit report has another individuals social security number on it, that I have been disputing for years and they have still failed to remove it, it also has innacurate accounts, they also reported from XXXX stated bankruptcy, I do not have, Not only that. Because I filed in the mediation breach settlement. Experian will not let me access my report, the screen which is always recorded when doing credit issues, displays because condition exists unable to access report, not only that I called over and over to get to them and in the past I always got through to them as I was on the phone for hours on a daily and you can see that if you check the call log history including the past numbers that were removed by a XXXX to add an updated number, that I told not to remove because I keep my old call reports.. now when I called weeks ago, I already knew what was going on, they have a teleprompter on there phone line and no csr service and Im sure its because they have a new breach I come to realize. and it says I requested a freeze on my credit Report I did not request and a pin. I do not know. They are asking me to mail docs I cant afford to get notarized based on something that is all the above listed credit Burroughs fault. Also XXXX XXXX has that I have an OFAC on my report for those that dont know that means your a XXXX! Which I. Am not ..Meaning they can harm me, for something I have nothing to do with,, Im a citizen that has and deserves rights ven the company I was working had the wrong doc and it stoped. E getting paid on time cause Experian wouldnt remove the address and wrong social security number from my record even though I asked for years. They have stopped me from getting employment and my resume is very well extensive. XXXX  says wrote me a letter in mail stating Im sorry to inform you, but we have mistakenly mixed your social security number up with another individual. If I write all Ive been through it will be years of writing. So hear goes I opt out of all breach settlements for all credit Burroughs and do not choose to settle. Experian I dispute every and all on my record, and I demand you tell me all who you sold my personal info too. A full file disclosure. Who soc security number you mixed me up with and I want to know they are still not using my information. XXXX XXXX you have ofac in my notes and you have broken many rights and laws to i the consumer you scrambled my account numbers even though I told you not too.. how will I dispute with scrambled numbers, not only that The OFAC in my notes do not list why and from what reporting agency. I have tried to call treasury. All I am going to say Experian when FTC reaches out pay the settlement I asked for and prepare to not turn down anymore of anything I apply for remove the number off my credit report, do not ask me to submit my proof for settlement I have my proof, I never lose a receipt or a receptionist name Whom to when I speak. You are the credit borough you have all docs and credit Burroughs hold docs up to 7-10 years, not only that. Records never get tossed. Records are kept on file records for life now. XXXX  what you are doing is illegal pay my settlement and stop the fraudster from accessing my personal info to whom you caught a breach from in XXXX. I disputed you also for years and you wont let me access my credit intentionally. Your certificate expired again yes I caught that and saved proof of it a 100xs. You are responsible for protecting sensible data and doing your business .after. You guys have the nerve to send me a letter stating I dont have a ssn or no credit.stop the fraud going on in your departments so that you can stop the breaches even if that means you. Now I want a new name and social since you destroyed a large chunk of my life with bad businessethnics and protection for the consumer. Now you will know its me when I submit my screen recording after I save it 500xs so I do 5 get hacked by any entity doing illegal business. I am in the midst of opening my business and you are taking more of my life from me now it stops now, dont lie, create any fake docs throw out anymore consumers data or target rural folks, elderly and who ever else you thought would be easy to take from. I hope we can do business in the future. Ima put my trust in to you FTC ... 

Be for right .... creator edge point no opening fix my credit issues Experian, XXXX, XXXX XXXX, that I did not create nor did I ask to have not trust my life and estate with, I was forced to ... Im not getting paid by the hour to research the errors you create. I would like a new soc, and name and i asked to excercise my rights under ccpa, full privacy do not call list and if any entity asks for my credit info they have to have my voice, along with verbal and written and signed all together. I also would like my XXXX yrs full file disclosure this person that has my info may be dangerous. If they have an OFAC. Negligence get my new updated phone numbers and email from the FTC and will leave update, and show proof through this recording I opt out of alll breaches and if you mishandle my information. You fix it, also XXXX  your settlement line is reading a manuscript a teleprompter. Hire people that are well knowledge and able to service the consumer. Im leaving my trust in the federal trad3 commission. Signed not last 4 digits of soc ending in XXXX fix it now ... ... my business starting if you affect it you owe triple of whatever I lose cause now its just getting ridiculous dont waste my time with the games, us Americans have families and a life and business to run ... dont try to harass me please just do whats right ...

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