Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: CO
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:
So at this point I truly dont know what to do. XXXX XXXX has confirmed that the account that was opened in XXXX is the account they claim is my first account with the wrong SSN number. Its not I opened an account in XXXX and then again in XXXX. I think my account was open fraudulently with the wrong ssn or by accident regardless. Since I got that account Ive had NOTHING but banking issues. No one can verify me. The pharmacy cant verify me. They have to send a new verification every month. Because of their automated system. Thats controlled by the gov. XXXX XXXX XXXXXXXX or whatever its called. Is used for many things. But I can get credit limit increases or loans. If someone calls to verify a check it comes back nsf even though the system can only tell you if its a valid account or not and if its in good standing. Not only by their privacy statement but by the bank secrecy act. Which causes nothing but roadblocks. Open a claim close a claim. No one can figure it out. Well I did. I opened my account back up at XXXX XXXX on XX/XX/XXXX. I felt I needed to. To prove all the issues I had before were gone. I have work sooo hard to get a credit score and everything else since XXXX. I havent been able to get loans a house an apartment nothing until this year. I was able to get a car. Finally. The account worked ok except constantly asking me to update my contact info or that they couldnt verify my social. I didnt use it much unless I had cash to deposit. Then XXXX came. I wrote a check from my other account and deposited it. At that moment my other bank account. An online bank goes through the early warning system at XXXX XXXX and my info comes back not matching. From that moment on. The same issues Ive had since XXXX with any bank. Started again. They would refuse paychecks. But they have no record of it. Because the early warning system blocks it before they get it. Charging me XXXX dollars regardless. Or refusing it all together. I work in digital marketing and design and have to be able to get paid digitally. We are moving quickly into a even more digital world and NOTHING I have works. Ive been arrested or had charges of fraud against me. For using my real info. No one understands. But I think what happened. Is when the XXXX XXXX  happened. My account from XXXX was in archive because of this same stuff. But they found the account opened in XXXX to be wrong and deleted everything before that. Establishing my first account with the wrong ssn. No one can verify me. We found the wrong ssn in XXXX when I had to open the account again. Was told it was fixed yet it wasnt. If they cant access that system at all then fixing it on paper does nothing to fix the issue. The banker XXXX. Said it was fixed in XXXX. But when I said then how did I found out about in XXXX. This has cost me my entire life so far. My companies friends my reputation. Ive worked aoooo hard to recover from something that was never caused by me. Now they are doubling down and not returning calls. I reach out to the cfeb last week. But they must have gotten my email wrong. So Ill include those numbers with this new email. 

This has cost me thousands. Most likely XXXX of thousands. I cant get through life without credit. I couldnt do anything. Then they want to sabotage me again.. I have actual evidence that can document what has happened. Including every banking document I have back to XXXX. Ive tried to fix this since XX/XX/XXXX but it really picked up in XXXX. I havent stopped since. 5 days a week Im dealing with them. While they fee me and refuse to acknowledge the fact they are refusing my payments. I live in a small town. Thats cut off quite often in Colorado. If I cant trust my bank. Then how can I be successful. They know they are caught you dont get hung up on and blocked from the VP that was helping before they realized what I was saying was correct and they have literally stolen my life from me. I cant go through this again. Ive read where media has to get involved. But I would like some guidance. This goes very deep and will most likely be a game changer for the industry. I have to wonder how many of the newly homeless over the last decade is because of XXXX XXXX. I would be if it wasnt for my mom. Im a XXXX. But Im also smart. You cant use super old tech with new tech. Checks can not be the verifying factor anymore. But since then all my accounts are screwed because they think my info doesnt match and because of the bank secrecy act. They cant find it to back me up. Like I said original case bumber is down below with my contact info. All I want is my life and a fair chance and for people to quit saying Im giving wrong info when Ive always given my real info. Im XXXX and there is NOTJING between XXXX XXXX on my. Its all missing. This isnt fair Ive been beyond nice. Ive let them abuse me. But its not XXXX anymore Im not that person. I knew it then. But I had to get the documents. Please advise. Do I call the fbi. Do I send an email to every news station in the us. I dont know. But what I do know is this is wrong and in every way a violation of nearly all of my rights. Not to mention what Ive been put through legally emotionally and everything else that came with this. Please help me. Im an American. That deserves the same as all other Americans. I work hard and can never get ahead because of it. PLEASE HELP My current account is correct. But it keeps getting confused with the wrong account and it rejects everything or holds checks after they have been fully deposited. I can explain when someone calls. Thank you Original Complaint number XXXX XXXX XXXX XXXX Colorado

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