Consumer complaint received 2018-02-03
Company: Experian Information Solutions Inc.
State: MS
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:
I have had an ongoing problem and now will resort to a lawsuit against them for the nightmare I have had with them and the charges of legal representation which contacted them on my behalf about a year ago and showed them what proof I have as it was fraud and I had a journal of payments with showing there had never been a charge off to be made in my name. Upon first contacting them I was ignorant of the power and abuse and the total and complete inaccurate this powerful organization holds on millions. Due to my financial resources I have never had to worry about a credit score or anything as I pay cash for the 28 homes I have owned in 30 years and I don't know how many vehicles. I am fortunate to be a former successful business owner who sold my business for XXXX XXXX 15 years ago. So as you can see I had little need on ever borrowing any money as I have plenty of money even after dispersing out the XXXX XXXX to my XXXX brothers also in the business. It was by sheer accident that my insurance agent told me that I had two negative things on my credit check and two charge offs. I said what is a charge off. We both laughed because it was ludicrous that I had never paid a bill or would have not have. After much investigations we find the two negative were medical charges that so bogus as absurd. The medical clinic was in another state and the name was not mine and I had never even been in this state. Yet it was for two medical treatments or something. They had nothing and had no choice to drop it. They sent copy of letter where they said it was fraud. I saw the letter. Obviously the Big 3 did nothing. The charge offs were more complicated but my attorneys handled them and they showed they were removed. I have copies from all three agencies that they were removed. Now I do a check 8 or so months later and find this junk on my credit and I am furious. I have complained to the government for what it is worth but initially the credit bureaus had my name 11 ways, 6 of them were totally bogus. On my birthdate I had 4 dates for my birthdate. None were correct. Even worse was I had three social security numbers and guess what none of them were mine. While pulling up this report there still was an incorrect social security number. Now this Big 3 is literally the King of all transactions. They have never kept me from buying a car or home but I bet they have millions. Then my attorney told me I needed to take out more credit cards since I never had any loans of any kind. Look at my report You will not see but one that is for my son with XXXX 10 or more years ago. I pay cash for everything and my attorneys said I should start using charge card mores. I would receive notices from the Big 3 and tell me how good my credit was and tell me to apply to for this card. XXXX XXXX and two others. All three denied me credit. That is with giving them the annual income of XXXX  per year plus all the cash I want or need. This is beyond belief. The thing with XXXX XXXX has said it was because I closed the account. Which I did at the time of my divorce 7 years ago and it is an action most divorced people do. The report was so wrong it made me so mad. It said they closed account and then the joke of having a XXXX credit limit. I didn't even have a credit limit with them but the account showed past payments of 50 plus thousand a month. It showed no late payments. But a history of these kind of payments for 15 years and then outright lies. I have complained and complained to get these charge offs off my account and the two XXXX medical charges that are about less than 50.00 for both in other names and state I have never even been too. I have taken all the procedures to handle this correctly and tried not to get furious at having all these social security numbers and incorrect information. I have worked patiently to give them all the correct information. Also they say on all this free annual score yet I had to pay a monitoring service once again for I dont know how much which I dont want. This is a rip off. It is illegal to advertise free and then to charger. They are holding consumers hostages to their lies and the fact that they are too lazy and inept to change the information when they have had it proved to them it is XXXX  wrong. When my attorney told me tonight after I found out they had not been removed from my credit report in this case but had been removed on the one that is shown to me they said a large monetary amount that can be donated to charity must be filed against these three corrupt organizations. I was shown how much money they made off consumers. It is beyond anything I could imagine by selling info to card companies. They are suppose to be a clearing house and most important the keeper of accurate records. I could understand mistakes and such but for 40 years to not have my social security correct nor my name and birthdate. I went on line to find out other people have had worse nightmares than I have. You see I am very wealthy and there is never a need for them in my life thank goodness. Except when my insurances was calculated and my agent said how could she not have perfect credit. She has two assistants who have worked with me for 17 years who document in journals my checks written or drafts. That was how I was able to prove I had never had a charge off. I have issued a complaint to you before. You determined fraud though it happened ten years ago and put a fraud alert on my cards. That was a joke over an issue that long ago. I have fooled with these contact us and sipute this for so long and nothing has been done. Well when the big three are charged with corruption and incorrect info in every aspect of a person life and they are sued for a nice settlement that will benefit charity I would hope that they take care of this in the next seven days. As I said they removed the info less than a year ago and how it appeared again is unknown to me. But I am so mad that I am going to let my legal team go after them and bring in the over 15,000 other people who have been cheated by them. I was very nice and hoped my problems would be taken care of since I had total proof and a team of attorneys. To know it is back is insane. I don't have any idea what organization you are or what power you hold. Tonight I called both my senators to let them know I would need them to present this to Congress. I want my record clean and perfect. If the Big 3 wont to play games I will allow my attorneys to keep them tied up for years and Congress investigate all the errors of just my account and how an organization that has to be meticulous with info could have 4 social security numbers and all the wrong birthdates and all the 6 wrong names. You have 7 days to clear this up and get this off my account or your name will also be included in the suit against the protection of american consumers and the fact that you are all paid very well to protect consumers and it is your job and yet instead you are criminally neglected them. I will never have a company tell me I can not have a credit card because of their bogus lies they acknowledged and cleared. For a woman to have assets that are huge and my debt ratio I check on the site was less than 1 % as I owe no house loans or mortgages or car or loans or anythings, just these credit cards they advised me to start using. I hope you will work to take care of this and it will not become a big public scandal at the ineffectiveness and especially the huge amount of money the Big 3 make of consumers. My Senators will clean house with top attorneys to advise and the media will be brought in to this whole section or group that has so many disgruntled people who hate credit bureaus and I don't blame them and the public will hear about the travesty that is going on. For your organization hope I would do all I could to make this problem fixed as it was less than a year ago to only turn back up. I am sending no dates, papers or any information. I have already done all that with your organization previously and will frankly not take up my time to do one more thing about it except to give my attorneys and my senators the go ahead to make statements to the media to let them know every right we have as an American has been ground in the dirt. And all of you who collect a salary for protecting us the consumers can justify it to congress. I expect communication within 7 days. XXXX XXXX XXXX XXXX or XXXX XXXX

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