Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XX/XX/XXXX I sold my home, In XX/XX/XXXX my husband pasted away. As I was paying our bills, I got into a disagreement with one of the creditors, I went to XXXX  Credit reporting agency on line and disputed the negative entry on my credit report. XXXX  then removed my credit score. I contacted them immediately and told them they had made a mistake, there had been a misunderstanding please put my score back they informed me they would past the information to Experian and Experian removed my credit score also.I talked with my credit monitoring agency XXXX XXXX who told me it would probably fall off at the next credit reporting cycle, it did not.I wrote a letter explaining the injury to my credit, they asked me to send a copy of my drivers license and social security card to identify myself and I did that, no change. In XX/XX/XXXX I contacted the CFPB, they helped me contact Equifax and Experian to express my concerns the young Lady made it clear to me she could not make the Credit reporting agencies change their report, she could only write down my concerns as I dictated them to her, and that she did. It made no difference. In the mean time XXXX  XXXX XXXX closed my business account and took back the Business credit card because my credit scores had declined. I tried to buy a mobile home in XXXX ca. called XXXX, a Senior Mobile Home park I was denied, the park manager explained she had never seen credit scores like mine, the only score I had was XXXX, XXXX  and Experian were blank. In XX/XX/XXXX I became very Ill and went to XXXX XXXX to live with my daughter I was living in my Travel trailer in XXXX Ca. at the time I tried to rent a space in a Trailer park in XXXX XXXX, but my credit score was so unusual they denied me I had to sell my trailer for almost nothing. I stayed with my daughter for a year. I moved to North Carolina with my sister for a little while then I returned to California, XXXX XXXX in fact. I am living in hotel and I can't afford that so I tried to buy a Mobile home in a Senior park when the ran my Credit score it said I was dead. In preparing for purchasing the mobile home I applied for and received financing from XXXX I had done business with them in the past so they agreed to finance me, I was not aware of the craziness was still there. I still had no XXXX  or Experian scores so again I was denied. I called XXXX, many times and every time I call I would have to wait on the phone a long time the person who answered would have no idea what I was talking about and it was the same thing over and over. Again they requested copies my drivers license and social security card I sent them. When I checked my Credit report I had a bunch of small bills from the hospitals and clinics in XXXX XXXX things XXXX did not cover ( I immediately paid them ) but that had nothing to do with the removal of my credit score two years earlier. As of right now I have a very low credit score I still live in a hotel, these past two and a half years in this credit mess has put me in a very bad bind. I am XXXX years old I am XXXX I am a woman. I have asked several time why they are so cruel to me, they don't know me personally but they have power over my life. Power to hurt me or let me be. and since they don't know me personally I have to assume that the fact that I am a old XXXX woman is the reason. My bank of almost thirty years XXXX XXXX XXXX XXXX XXXX XXXX changed they became more aggressive. XXXX XXXX XXXX XXXX no longer allowed me to have a ATM card they for some reason did a credit check and found me not worthy after three years. Unless I am in the city of XXXX I have no access to my money.

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