Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm going to put this very simply right now there is a class action for multi-million dollars against XXXX XXXX because of an issue with their misleading people into thinking that they would be approved for credit or loans or anything like that this was a complaint that I submitted in XXXX to you about Experian because experience led me by saying that I had a 96 % chance of getting approved at XXXX or XXXX XXXX as well as XXXX XXXX I also looked heavily into the disclaimers and every bit of information I could before I actually submitted an application there was a zero indication of how or why I should have been denied I've been just given a FICO score I had done extremely well with my leasing program with XXXX XXXX I was looking forward to building credit and I was only taking experience advice and they misled me and this is exactly what the class action against XXXX XXXX is about apparently now I don't know if they're an actual Bureau or reporting agency I don't know exactly but the deal is but they have made recommendations based on extremely high approval odds for consumers to be approved. Now this is a huge problem for me because I have been and dire need of assistance ever since I was violently assaulted by my family and had to leave and now I'm living in a van that I am spending literally all of my money trying to fix and I'm going hungry because of it but I'm doing that because I want a roof over my dog and my head. My dog doesn't deserve to suffer because the Experian doesn't do their job well and had a XXXX answer for me when I tried to resolve this with them now I made the initial mistake of forgetting to unlock my credit report when I did XXXX XXXX but I was told when I applied the second time after unlocking it that at least the first credit report inquiry the hard inquiry would be expunged I was lied to now I don't understand why there is a class action against XXXX XXXX and yet nothing was done for me because I am certainly in more need than a lot of people out there just as every other homeless person who would be able to apply for credit if they had a good score which I did at that moment but it has dropped drastically to the point where I don't know how to recover it without and I just don't know how to recover it because of the situation I found myself in and I've been doing everything I can to do the right thing to responsible thing make good choices but when you're on Social Security XXXX income at XXXX XXXX XXXX and you have been since you were XXXX you don't make enough money to be able to do this. But if you contact XXXX XXXX their program is for 12 months and it catches is that they don't make it easy to notice that if you don't pay within 3 months then you're going to pay double the price of the product quite literally double I looked into it enough to where I was actually able to pay it off in 3 months because I was dedicated to it but after I got screwed over so many times by these credit bureaus and no lawyer will ever take a borderline personalities case because that's what I have I've learned that the hard way I've had multiple instances where I had companies incorporations dead to rights I had smoking guns and no lawyer would even hear me out in fact these free consultations that they always advertise they would never even actually meet with me. So for instance when I went to XXXX XXXX and I had them dead right because I had a Smoking XXXX about the XXXX fraud before it was even in the news nobody would help me and I would have won that arbitration because I decided to represent myself. The only reason I didn't was because I'm not actually a lawyer I did make a couple mistakes and apparently if you don't have a degree from the bar you can not utilize a service to obtain a medical expert witness and even though I am a medical expert I just don't have a degree I have no way of proving what I'm saying is true even though I could speak to lingo and tell them everything they need to know about my illness how it affected every bit of my life and how every doctor at XXXX XXXX in the mental health field had participated in this XXXX fraud I am on XXXX. I did get diagnosed with XXXX that I did not have and they did not treat me the way that they are supposed to treat a patient the only reason why I ended up dropping that case was because I found out that the arbitrator was a stickler for the rules which means that no medical expert witness no winning so I dropped the case because of stress so I wouldn't get worse now this is exactly why I decided to stop pursuing the Experian deal because nobody ever gives us any help. The mentally ill are the only people who actually get discriminated against and I am absolutely being discriminated against on top of that other companies are harassing and it seems like everywhere I turn people are trying to squeeze blood out of a turnip and guess what I'm not being hyperbolic I'm not exaggerating and if I were still at my parents house getting violently hit every once in awhile and mentally abused and physically abused emotionally abused I would still have all my paperwork but when you move into a van you kind of have to let go of some things so really angers me when I see things like XXXX settlements going to people who informed the Department of Justice when I tried to do that exact thing including contacting XXXX XXXX and every news outlet that I could I have emails to prove it. And then seeing the class action about XXXX XXXX doing the exact same thing to their customers that Experian did to me and yet there's a class action there so where is this consumer protection for a Consumer Finance victim. That victim being me as well as I'm sure millions of other Americans who are on XXXX or at the very least anybody who's on XXXX at a young age and had no choice in the matter but I did my best and I was succeeding at building a FICO score I worked my XXXX off to do that on a limited income that is absolutely unfair to even be assumed that I can live on. And yet I was able to pay off that XXXX leasing in 3 months because I dedicated myself to it and it was very simple laptop so that way I could enjoy myself it was a superfluous non-essential item but that had nothing to do with my credit I hear however I believe that if you were to contact them see that that is true that would be a good representation of how if I were not in dire circumstances and if I were not XXXX  over by every chance that life can XXXX me over I would be able to make these payments and the reason why I bring this up is because I want an expedited investigation as there is a purchase that I would like to make for an exclusive event that I've been invited to. But I guarantee I will not be approved for any kind of credit or much less a leasing program or even any other kind of thing there's just no way in XXXX not with the income that I have which is a completely unjust income of benefits. And experience should absolutely be punished for lying to their customers as I said there was XXXX indication of why I should be denied for both of those credit card companies when I applied for them there's XXXX reason why that I should have been informed that the first hard inquiry would have been expunged and it never was an experience is just a very shady Bureau now they love to sidestep they love to keep their I don't even know what it is they do I don't know if they're for the public or if they're for the government. Or perhaps they're just somehow able to gain an advantage for themselves either way I've tried on multiple occasions to start building my credit again because I'm going to need to however if I denied it every opportunity then how the XXXX am I supposed to build credit.

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