Consumer complaint received 2017-04-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
For most of my life I did not recognize nor value the the Idea of the FICO/CREDIT SCORE. Now since XX/XX/XXXX I have been working very hard with educating myself on the practices and behaviors of the CREDIT Burals. Its a lengthy process that I actually feel accomplished by. Until XX/XX/XXXX when a car dealer whom I assumed approved me for what was to be my first new/used vehicle. To my surprise the inquirie that was made in XX/XX/XXXX was not approved. Therefore it drop my credit score from a proud XXXX to XXXX this happened because the car sales attendant had regrets about telling me that I was denied initially. So with out my knowledge she ran my credit XXXX more times without my knowledge. I now know the affects of the inquiries from potintial creditors. I traveled XXXX miles from my home in a rental car that cost me {$270.00} stayed in a motel for two days before I got the bad news. My big upset and confussion was the Fact that EVEN with my {$2500.00} deposit on a vehicle valued at XXXX. I was rejected. 
When I went back to investigate the possible reason I could n't figure it out. 
The only thing I could do is continue communicating with my debt collectors with payments, police reports, dispute after dispute and multiple contacts with the credit burals it felt as though I was being ignored and was treated like I was unimportant and unwise. I went as far as to pay Experian {$21.00} for several months but still I was ignored and historically my credit report has many issues. 
After learning about the affects of the credit inquiries from outside creditors, as well as finding out about fraudulent activity on my credit report I put a freeze on my report. 
I wanted to work on addressing the Identity theft in XX/XX/XXXX. The fraudulent credit reporting from XXXX, the inquiry duplication recorded by your company and the incorrect status reports from all of the student loans except the active account. 
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of my information in the files that you are reporting which is not all correct information. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to file information it has verified. And only that .... 
If I put a freeze on my report with Experian why is this not the case with the XXXX denials for credit with I received XX/XX/XXXX. 
Attatched I have the only documentation I could find to support the the fraudulent accounts in XX/XX/XXXX. 
Although I was connected with those addresses the time frame is incorrect. 
Unfortunately their is a lot of criminal activity on the WWW. I ca n't say for sure who could have taken advantage of me but I 'm certain It will never happen again.

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 monetary relief