Consumer complaint received 2021-07-31
Company: Experian Information Solutions Inc.
State: WI
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:
This is what I sent to Experian : XX/XX/XXXX After signing up and paying for Experians credit monitoring and report service I was gravely concerned when I saw 5 different social security numbers that were not mine on MY report. I am a natural born citizen of the USA and Ive had the same social security number all my life. Ive only ever had 1 social security number and MY social security number was not even on my report! I tried to notify Experian of the 5 fraudulent social security numbers on my report via the online dispute system but it would not let me dispute any of the social security numbers online. So I called Experian and was transferred to 3 different people. The lady said she would take my information but she clearly had no concern that 5 different social security numbers were on my record. She was rude to me and I explained over and over to her I want to know how these social security numbers got on my credit report and details of what company reported them to my report and when and which state the info was put on my report. I told her I needed to know this because I learned this week that someone in Texas used my identity about 12 years ago to write a bad check and there was a misdemeanor charge in my name due to it. I never lived in Texas and only visited there twice which was years before the offense according to the court secretary I spoke with. The secretary for the judge said that the case was too old to have an investigation opened to pursue the person responsible. He said the court took the case off of their records years ago and he said they only have 1 page with a brief summary on it in regards to any record of it. Additionally I explained to her in XXXX my XXXX XXXX bank account was hacked twice in a matter of weeks. They took all the money out of my account as soon as it was deposited. 10 days later XXXX XXXX put the money back into my account and the second they did the same person in Florida transferred the money out of my account. I filed a police report but the police department said they get so many cases of identity theft cases that all they do is take the report. The officer said they wouldnt be chasing some guy down in Florida. I also explained that Experian notified me via the credit monitoring service I am paying for that my information is on the dark web and over the past several years was used in numerous data breaches ( see attached ). Your employee still showed no concern and advised I would receive an email regarding Experians decision. Several hours later I received an email and I reviewed my results. Instead of Experian providing me with details of how these 5 social security numbers got on my account and completely remove any record of them from my account / report ; Experian updated the record with MY social security number making it appear to associate me with whatever fraudulent acts went on that resulted in someone adding 5 fraudulent social security numbers to my Experian report. I am completely beside myself. I feel betrayed and helpless. I am single mom, Ive done my best to survive XXXX and 2 XXXX. Ive lost everything in life yet I am trying my best to repair my finances so my son can have a decent place to live and in the process I find out there are 5 fraudulent social security numbers on my record as well as other accounts that arent mine that Ive been saying are not mine and Experian just changes the fraudulent social security numbers to my social security number!!! Im going to have to get some legal advice but in my opinion I feel Experian has violated all of my rights under the fair credit reporting act. I ask that my original request be granted and that Experian provide me with details of how the 5 social security numbers got on my report and then delete the fraudulent socials off of my report completely. Remove any association of my social security number with the 5 fraudulent ones. Remove the other accounts that I keep telling Experian I have no knowledge of, then update my credit report and credit score and provide me with a copy of the updated report and score as well as please provide me with any and all inquiries made to my credit report in the past 7 years, please include all soft inquiries, the dates of the soft inquiries and the person ( s ) and/ or companies that requested/ ran a soft inquiries as well as hard inquiries. After my report has been completely updated, please advise me of any reports that were provided to prospective employers within the past year, when their inquiry/ inquiries were made and please provide any and all prospective employers within the past year with a copy of my updated report. See attached for proof of all that Ive stated above. All this extra stress is going to make me have another XXXX! Im a XXXX survivor who doctors said wouldnt survive 5 yrs, yet here I amdoes experian feel like its ok to make me feel worthless?? Even though Im XXXX dont I have the basic human rights afforded to others? I am so upset, no one deserves to be treated this! Ive fought so hard to live. All I want is live & do whats right but I guess people like me dont deserve to be treated the same respect as normal healthy people. Experian knew what my social security number is and didnt once question or let me know that there are 5 others social security numbers on my report. Youre actions allowed my reputation and character to be destroyed in the eyes of creditors and prospective employers, at a time where I was doing what I could to hopefully find employment again and get off of XXXX. Im exhausted and want to just give up but thats what I feel you want me to do. Thats what Im sure a lot of people do. Please advise how Experian plans on righting this wrong. Please be advised this letter is confidential & Experian does not have my permission to share any part of this letter publicly. This letter contains sensitive information and should only be shared with Experian employees that are directly involved in responding to this letter.

Your prompt attention is appreciated!

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