Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: CT
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:
In XX/XX/XXXX XXXX  placed a one year fraud report on my credit report, after I had a 90 day freeze. In XX/XX/XXXX, Experian Credit Bureau LLC located in Texas, refused all of my disputes and merged my ex husbands credit report with mine. I have filed three complaints against Experian Credit Bureau LLC for illegally, tampering with my credit report for the past 14 months instead of fixing my credit. Considering I have complained starting in XXXX I believe against Experian and again in XXXX against Experian and XXXX XXXX., I am not submitting my final complaint and the most vital. 

Experian credit bureau started harassing me back in XX/XX/XXXX. They added fraud alerts whenever they wanted ignoring XXXX. Due to being so scared and stressed I started getting confused. I did everything correctly which means sending letters to all merchants, collection agencies, and credit bureaus. Experian has been the only one and now XXXX  to ignore my letters, police reports all data. They even dismissed me over the phone stating they destroyed my initial FTC report which proved to be a waste of time for someone who had 22 credit cards opened, car loans and every mobil.internet carrier in the state of CT. 

I have never had my own mobil phone in my name until XX/XX/XXXX. XXXX  provided me with XXXX XXXX  and in XXXX, actually the XXXX over a month later provided me with a cell phone plan when my employer transferred my number over to me. Everything was great until XX/XX/XXXX when Experian merged all of my ex husbands debt onto my credit report the same time, my bill went from {$160.00} to {$800.00} with XXXX. When it was required that I sign something stating I agreed to paying my bills electronically and told unless I signed this document on line I would not be able to see my bill. All done by a company posing as XXXX. I sent four certified letters, and paid XXXX  XXXX in full when I learned I only had {$260.00} left on a service that I no longer used. On XX/XX/XXXX, I sent my final certified letter to XXXX stating I paid my bill in full with XXXX XXXX and it was confirmed with three local stores that my account still had phones and a new contract for XXXX XXXX in place for XXXX. That was it. I owe nothing to XXXX. I filed a claim against XXXX  due to all of the money they had taken from me with XXXX. I just wanted my money back. These criminals that actually took over my XXXX account broke into every email account, and disabled my brand new XXXX XXXX  phone purchased on XX/XX/XXXX directly through XXXX. The criminals took over my phone and stated it was an XXXX  device after crashing the phone so I could not use it. Well, I submitted my documentation to XXXX showing it was my phone and shared the phone number used to purchase. I had no phone plan but these criminals made sure they broke into every device I owned. 

I realized it was Experian Credit Bureau LLC along when they started using my documentation I sent to XXXX and XXXX several months after the items were removed from my credit in XXXX when I received a credit report that did not belong to me. They called my ex husband who I stated was XXXX  and gave him phone number XXXX the very number I had on my police report and assigned to XXXX. I had already proven I had no account with XXXX but they contacted my ex husband and lied to him. I did not care, I did not have any phone plans and every one that was added by Experian was fraud. 

It was not until all of my hard work started to pay off when a bank removed a car that was placed on my credit as fraud. The other car was from XXXX and was also left on my credit by Experian who changed the date that also was removed at least from XXXX. I am an XXXX  Data Breech victim. XXXX  was fantastic until my information was stolen and my credit reports stopped coming. I complained to your company about the behavior of Experian. Each time, I was bullied, and harassed. In XXXX I believe when again I was unable to purchase a car and my phone disabled by criminals who took over XXXX plan my friend went to XXXX  XXXX and we got phones {$130.00} a month. I was scared to have anything in my name due to being harassed and every phone destroyed by these criminals. I had two job offers both I had no clue about due to my emails being stolen and the passwords changed. Phone calls were not sent and all voice mails were not sent to voicemail. I also was not able to finish any of my classes for insurance due to two computers and an XXXX taken over by these criminals and I did have virus protection. 

Now without a phone, computer and a way to do anything I got very upset. My friend who is like my dad XXXX years old went to XXXX  XXXX. That account was taken over and went up to {$380.00}. These criminals sent bills to my friends name but at an address that is fraud and on my credit report. I also had internet and cable with a company that I paid perfectly that ended up on my credit report that was removed I think due to fraud. I only needed a phone for a week after these criminals disabled my second paid in full brand new phone. When XXXX  XXXX was compromised my XXXX year old friend purchased a phone and XXXX  so I could finish school at XXXX. When we went to XXXX on XXXX my friend showed me his bank statement that had XXXX but XXXX, and in his email was the mailing lable that was sent suddenly. XXXX was another company placed on my credit that was fraud and removed but Experian claimed it was still on my credit report with them because XXXX had no idea how to reach me. That alone was fake. That account was long removed and Experian only had XXXX so how did they suddenly have XXXX an account removed. They took the information I sent to your company showing I had real police reports and used it after the fact. 

Since complaining, XXXX XXXX has continued to lock me out of my account and now my payments are getting stolen due to multiple cards. My bank account with XXXX  has also been compromised and I had money stolen from XXXX  XXXX  XXXX  which I loved, but again the criminals broke into my internet that I did have and made sure they disabled the device and my tv. I paid for XXXX XXXX XXXX  for me and XXXX year old like a dad. When I learned money was stolen from my XXXX  account due to fake XXXX  accounts, and XXXX I had enough and filed a dispute. 

I have XXXX XXXX now and on Sunday, these criminals sent a person to my home who set the XXXX up after they changed the account number cutting the cable to the XXXX and all service was no longer XXXX it was once again taken over by these criminals. I have had boxes from companies I never had thrown at my door, every phone, internet, XXXX, printer, laptop destroyed to the point that I like I said can't even look for work. 

I got XXXX and was XXXX. I worked on the side to earn extra money but it has been taken away and every phone line broken into. Now, XXXX  XXXX a company I love sent this fake bill for services and phones that we don't have. I also have the bill that was sent to XXXX XXXX in my friends name. Experian has all of these addresses still on my credit report knowing they are fraud. I have been threatened with more identity theft knowing that Experian created my info on the dark web every time they received a dispute from me. 

Today I had enough and when I received a phone call from XXXX XXXX the company I loved but from a women who I dealt with when I was doing XXXX work I knew it was a set up. These people that took over my XXXX account and tried to submit to me a fake bill that was not even XXXX letterhead and broke into every claim I sent I knew they were behind it. In the end what they want is for me to say I am now an identity theft victim so they can cover up for all of the fraud and lies they have told. They have played with my emotions and my ex husbands. We are both XXXX  XXXX  and I go to a clinic every XXXX weeks at XXXX due to a XXXX  XXXX  I had at XXXX. I have been XXXX  since XXXX but in an XXXX  which has caused me to take some medication. I have had a very successful XXXX  and now want my license back. After spending {$400.00} and having criminals break into every class, changing scores and preventing me from working I am disgusted. 

XXXX  is the only company I respect. Now they have had my credit compromised and I can't even call them. I have not applied for any credit except for a car at XXXX and XXXX XXXX. That was a set up because Experian stated I had XXXX XXXX  on my credit report as debt owed and again a lie. 

I just paid the account all at once and did it without anyone knowing. XXXX XXXX I refuse to pay a company that has criminals working for them that are steeling my money so they can state I pay late and hurt my credit. 

I need a car and I want one this week. XXXX approved me XXXX down for a XXXX car low payments. I have the means that is being watched over by my lawyer so no one steel my retirement. Experian also broke into my pension. 

XXXX  will receive a signed document from me placing a 7 year fraud alert on my account. Experian and XXXX  can follow them or not. At this time, XXXX  has elected to do nothing and partner with Experian. I mean that XXXX  has done nothing to my credit after Experian placed a fake fraud alert on my file. XXXX  please remove XXXX  as a creditor. They are not. Account paid in full and Experian has an account I don't have. Its all fraud. Again, I have no insurance an no inquiries. I now need to get a phone plan and will be staying with XXXX  XXXX but not paying {$380.00}. 

Please help me. I am going to send one last time a binder of all of my reports etc to each credit bureu. XXXX does not need it but I will send it to them. All binders I refuse to sent to the bureaus because they don't care. I want every address phone number and any inquires removed except for the two I stated. 

At this point, I have been XXXX  destroyed all because of Fraud and Experian LLC dishonesty.

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