Consumer complaint received 2021-05-30
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I the year XXXX I noticed some negative accounts on my credit report and accounts I did not opened that were affecting my credit report so I contacted XXXX XXXX XXXX XXXX XXXX who advised me that if I filed bankruptcy that these problems would go away and explained that it would cost {$1900.00} dollars to hire them for this, so I went to my family for help knowing these problems needed to get taken care of and that a lot of it is from when I was incarcerated and in custody also from identity theft. This identity theft has also caused problems with the IRS where they are telling me I have 22 pages of power attorne on my file with the IRS making serious problems with my tax filings not getting any returns. I have problems with XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. So when I hired this law firm they started my file and eight months later of not hearing from XXXX XXXX XXXX after they were paid and I did everything they asked me to do even credit counseling I contacted them to see when I would have a court dated they then told me they lost my paper work and I had to do the counseling again so I did and then we had court. After the discharge and months have passed even one year in XXXX I did not see any changes so I called the law firm and they told me they would look into it but they never got back to me. At this time I started to try and get it fixed with phone calls, and letter to the credit bureau 's and creditors but nothing seems to get fixed and ll negative up accounts remain on my files and it gets worse where now I had fraud committed to me and my XXXX XXXX where a fake finance company offered me a loan and told me that my credit score was to low but they had a program to raise it and if they pet funds in my account I had to return them right away and that would raise it so I did just that after they put funds in my XXXX account and XXXX held the deposits for five days and cleared them so sense they cleared the funds I thought the deposits were good and I returned the funds in gift cards after days later XXXX put my accounts at a - saying the deposits were checks altered where I gat these checks in the mail and seen they were but with my name printed on the back not my signature so I called XXXX to ask why they even cleared the funds when it was clear my signature was not on them and checks copied from out of my account that were already deposited months earlier where they should have never cleared them but they did making me think the funds were good, now XXXX knows I was a victim of fraud and it was not me that deposited but they are trying to make me pay for the - XXXX XXXX. XXXX took funds that were not mine direct deposited from the social security office to my sister because Im her payee and funds that went to a business partner of like XXXX but they wont return the funds knowing they belong to a XXXX person such as my sister and my business partner. all this fraud and identity theft has braught a lot of problems to my life and I feel something needs to be done to clear my credit reports so I can move on with a better life this is wrong why no one wants to listed such as all the creditors, credit bureau 's, and 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