Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX my credit was XXXX, I did default on a online shopping site, when I moved from commerical housing to public .they do not forward mail. 
So received no bills, plus returned item never credited. 
Neighbor told me woman in neighborhood was collecting my mail and packages from old address? 
I called XXXX and tried to figure out how to fix my account. But was told rudely that my file was sold? 
Ultities we're opened or reopened in my name on XXXX XXXX. After I moved XX/XX/XXXX? XXXX was one they say I owe 1200+ yet I returned equipment 2 months after I moved. I had boxed equipment in basement. 
even have confirmation email from XXXX for pickup. 
I soon found out my credit card was hacked. 
Bank closed and new one opened. My XXXX account with store hacked with all finicial & personal info on sites, I filed police report, identify thief. Org report, FBI report, this hacker from same state was blackmailing me for XXXX! 
I explained all this to companies and credit reports, they removed some items, but some that I disputed they came back that it remains. The collector assures it's info is correct? 
I am greatly upset about this. Especially XXXX XXXX XXXX, a online loan that I paid more than I should of. They were very deceptive about their fees and what was a payday installment loan that I paid over 1500 on and still owed more than original XXXX. 
But anyway I took it out in XX/XX/XXXX they reported it as 1 month loan and updated it, so to have at least a year of no pymt 's on my report? 
I copied and sent print out of all monthly pymt 's and screen shots of email confirming loan was indeed a installment loan. Yet none of the credit reporting co. Would agree, and when I disputed there findings and asked to see companies proof they didn't respond. 
I told them also I was victim of identity thief, because alot of credit inquiries kept coming up on report. I wanted fraud put on reports so I could explain If I did apply for credit that someone was pretending to be me, XXXX and purposely putting gas on in where I lived at time my info was stolen. 
What makes me the most made is these reports are not fair or honest.experian. I signed up for protection XXXX after I did 2 big items disappeared. XXXX XXXX XXXX being one. 
Yet after 3 months when I cancelled the program. They were back on my report!! 
This is abuse of power! 
I had gotten 2 reports XXXX & Experian back up a little to around 580, but XXXX was XXXX. Yesterday I went on and it was down XXXX points? I inquired why? And a nice representative Said 'oh It just happens some times? 
I pointed out nothing was changed at all. And updated her on my filed police report reporting the identity thief and fraud.She didn't even want the report # or a copy.yet they would not put fraud on my report unless I filed one? 
It really bothers me that if I was willing to pay each company for Monitoring protection XXXX Things would vanish off my report? 
Also they do investigations Yet show no proof collector showed, yet share my information with companies? Which I know for fact one company updated dates to match my information, instead of original reported dates that collector posted which had me living in another home at the time ultility provider stated I used them? The whole process especially with identify thief is hard enough, without companies that are supposed to be trustful and impartial showing it's just the opposite. 
Honestly Now I have to wonder if they get kick back from collection companies??? 
They need monitoring. 
Along with these collectors that change bc dates to suit thier claims. 
And on a final note. My reports still aren't marked from for fraud? they have identify thief report and police report information. 
And on final note to I sent them copies of threatening lawyers emails from XXXX XXXX, threatening me with jail, fraud, to contact my probation officer if I have one etc.

Very classless, when I read the rules for collections on FCRA site.I saw this was illegal? Yet my credit report disputed monitor didn't find it so? They had copies of letters from my dispute.yet neither company said by the way XXXX, letters like this are illegal. Please look into it on identify thief site for further information. 
Yet then I wasn't paying XXXX or Experian monthly payments anymore. 
I also think it's against our civil rights if we want them to add rent, phone payments to reports to increase our scores. We have to give them our email and password for online banking, so they can verify each month instead of a yearly print out from my bank? 
I DON'T think so??? 
Invasion of privacy! 
It's sad when the credit report companies are getting as bad as the collection companies.

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 non-monetary relief