Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good Day, I am writing in hopes that I can get some special attention regarding my current XXXX XXXX. I am a victim of Identity Theft, approximately 25 months ago I was informed that the building that i lived in ( for last 7 years and still do ) was being investigated for mail box fraud, this area is considered a " red zone '' for this type of theft/fraud. The first incident I had with Identity Theft was in XXXX and after reviewing my credit report I was shocked to see that i had XXXX accounts that were fraudulently opened with my personal information without my authorization. They were all new accounts ranging from credit cards to utility companies to personal loans to medical claims to the cashing of an annuity. At this time I completed the FTC identity theft kit which included an Identity Theft Affidavit, police report and many merchant letters and a credit freeze placed on my file. I had a XXXX XXXX of XXXX and my financial health has always been a big priority in my life. In XXXX I had a life threatening condition which left me bed ridden and the XXXX agency that I used for my care reported that they had many of there patients whom personal information had been stolen and fraudulently used, I was XXXX of those patients. I was able to at that time get the credit agency to work closely with me so that my XXXX XXXX, although it dropped almost XXXX points was quickly restored back to pre-fraud status. Since the fraud that has occurred to me over these last 3 years was mail box fraud it has continued to slowly damage my credit worthiness and I have been completely unsuccessful with getting my XXXX XXXX back to the pre-fraud status. XXXX of the most serious effects of ID Theft is the impact it has on ones XXXX XXXX. This has made it difficult to impossible to secure a loan, mortgage, line of credit, it has even made it impossible for me to move since even my apartment approval process has been negatively impacted. I have spent countless hours with this process and when i have just a bit of extra time I realize that I have not accomplished anything, my current XXXX XXXX is XXXX that is terrible. I have been working mostly with experian and sad to say my XXXX XXXX just recently dropped again. I am so upset since I am making every effort to move and get out of this area were the mail fraud is rapid. It appears that local authority have been unsuccessful in stopping this type fraud. I have had all kinds of problems renting an apartment due to my current XXXX XXXX. I also am having no luck getting financing for the full mouth dental implant i so desperately need. I have been unable to get any type of financial relief for over 3 years due to this issue. I am sure you can understand my frustration I feel as though i have worked my entire life to build my credit to find myself in this position and to see that it is not improving is a terrible feeling that I would not wish on anyone. Please review my credit file with the above information I have provided and if possible adjust my XXXX XXXX so that it is fair for all involved parties. I have been the loser for so long that any help you maybe able to provide me will be welcomed. Again, I am not winning just wanting some extra treatment for the hardships i have had to suffer from the ID theft. I look forward to your response and hope i can get some help from your agency. 
Best regards, XXXX XXXX XXXX XXXX XXXX I have XXXX fraudulent accounts on my credit report right now and experian was notified months ago about them in disputes and my score has been still been badly affected by them. I have no idea why this is the situation that I find myself in ....

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