Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: NV
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:
There are misinformations listed thereon our credit reports as of XX/XX/XXXX by XXXX XXXX XXXX and on XX/XX/XXXX by a company called XXXX XXXX XXXX XXXX and again on XX/XX/XXXX by a XXXX XXXX XXXX whom alleges fraudulently that we have a mortgage with the three companies which is impossible. We have disputed this misinformation and false information for the past two to four years. Each time the company would be deleted from the customers accounts. Rather more suddenly three companies appear for a mortgage within a three month period which is very odd. We have no credit history with any of the alleged mortgage companies listed herein. They continue XXXX XXXX and Experian to allow them access thereto our private records therein each agency without our permission therefore this is identity theft and harassment which is the fault of the agencies at this time. After multiple deletions they are allowing all three companies XXXX XXXX XXXX and on XX/XX/XXXX by a company called XXXX XXXX XXXX XXXX and again on XX/XX/XXXX by a XXXX XXXX XXXX to repost false information therefore the leak is within the three agencies. The credit agencies have also stated within their reports that XXXX XXXX XXXX has no credit history with a mortgage therefore this is the reason for the low score, whereas my [ XXXX XXXX XXXX ] credit score dropped from hi to mid 700s down to mid 600s within one year. This makes no since if i never had a mortgage on record how are you allowing this false information posted by XXXX XXXX XXXX and on XX/XX/XXXX by a company called XXXX XXXX XXXX XXXX and again on XX/XX/XXXX by a XXXX XXXX XXXX   thereon my credit reports? As well such does not make any since whereas i [ XXXX XXXX ] never had a mortgage but my score was XXXX over one year ago and dropped to the mid 600s? This makes no since at all. I was told by an employee approximately six months ago that my score dropped from the mid 700s thereto the mid 600s due to having a credit card over 30 percent usage but this makes no since because its not consistent thereto the other credit scores with the other two, this is a form of harassment. This is an attempt to prevent us from purchasing a home. Each time we began the process of home searching somehow the credit agencies along with XXXX XXXX XXXX now XXXX XXXX XXXX XXXX and a company called the XXXX XXXX XXXX keeps posting on my report but there is no history or any mortgages nor such the like. So how is it that i never [ XXXX XXXX ] had a mortgage and my score drops all of a sudden because i don't have one and then they give an excuse that my score is dropped due to my credit card is over 30 percent  usage? makes no since! As well we have asked them not to share our private information therewith anyone due to identity theft slander harassment defamation and now libel. This makes the credit agencies responsible because we have no contact with any of these alleged mortgage companies XXXX XXXX XXXX now XXXX XXXX XXXX XXXX and a company called the XXXX XXXX XXXX. Please remove these companies from our reports that of XXXX XXXX XXXX and XXXX XXXX XXXX and block anyone whom does not have or was given our personal permission for such private and personal information to be shared thereto. We are currently seeing all these companies and are adding the credit agencies for the Fair debt collection act and fair debt reporting act due to these fraudulent activities.

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 non-monetary relief