Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Found the issue with Experian when I was trying to get preapproved for a mortgage on XX/XX/2021. After my loan broker checked my credit he informed me of some debts. Debts I was unaware that existed. I began to assume my identity may have been stolen and started to take the appropriate steps to stop any further damage to my credit. I started with checking my credit wise account I have threw my XXXX credit card. I began to see pages upon pages of inquiries dating back to XX/XX/2021 and delinquent accounts mainly with big name companies starting from the end of XX/XX/2021 to current day. I called credit wise. When I spoke to an agent they had expressed that they only pull reports from XXXX XXXX and XXXX  and that all they pull from Experian is alerts. all of the inquiries and delinquent accounts were alerts from Experian to credit wise. I then began to call each credit bureau. When I called XXXX  the agent told me to sign up with XXXX. while on XXXX I could pull my credit report for XXXX XXXX and XXXX  only. Neither XXXX XXXX  or XXXX  were showing any of the debts credit wise was showing. I then was told to call Experian by XXXX. When I spoke with an agent at Experian they tried to pull my credit report. Experian agent was unable to pull my report. He stated he tried 3-4 times and nothing would pop up. He expressed he would escalate the issue and told me to call back in 3-5 days. I began to call all the credit cards that were showing on my credit wise. I spoke with XXXX, XXXX, XXXX, XXXX, & XXXX. All companies expressed I did not have an account associated with my social, name, or address and no debts were owed. XXXX XXXX  that's in charge of XXXX, XXXX, and XXXX agent expressed that it seems Experian is reporting false information. Loan broker looked into my full credit report and expressed XXXX XXXX and XXXX  showed my credit score were both 200 points higher vs Experian and the issue seems to be with Experian and also stated that the debts on my Experian were not on the two other credit report. He also stated that if the debts existed that they would be across all three bureaus. after 3-5 days I called Experian back was told due to my report not being able to be pulled up that the agent could not inform me if the issue was being resolved nor if there was an issue because no report means I don't exists in there system. I was I also unable to speak to the department handling said issue because the agent stated they dont talk to consumers. There is no possible way I do not have an account with Experian. I also do not understand how my loan broker was able to pull all three credit bureaus reports but nor I or Experian can pull my Experian credit report. I spoke with all three credit bureaus and credit card companies on XX/XX/2021 and spoke with Experian again on XX/XX/2021 and XX/XX/2021. I am still being told that Experian cant pull my report. Issue going unresolved and needs to be dealt with.

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