Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Due to what I believe is hacking of Experian system ( XXXX ) and XXXX  computer system ( XXXX ). Since XXXX I have had trouble receiving my credit reports at all or in a timely manner. I believe that my reports have been replaced by scammers/hackers in order to commit identity theft, fraud, change my name & info on my credit report. I have been targeted with hacking and computer stacking and physical stalking since XXXX. 

I filed a complaint about receiving my reports prior to a judgment filed against me by XXXX XXXX in XXXX. It was n't until XXXX XXXX that I realized that the XXXX delayed reports were n't even my reports.which I received days before court.. I noticed it said name on report XXXX XXXX.. I was so mad at myself ... I almost won my case. 
-- -The issue I have had with Experian has been a back and forth of reports with the name XXXX XXXX or my name XXXX XXXX XXXX . 
This has been ongoing. but I did n't see the report I submitted in court.. The company name XXXX or XXXX XXXX was never on my credit report and is n't on their now ... Just until the case was over ... I tried to get evidence and even sent them a letter they opened it and sent it back. However I called and XXXX XXXX said they did n't own the account XXXX. -- There is a cover up with Experian ( hacking ) - because I finally reached someone XXXX XXXX and they said that the reason my name is being truncated is because of their automated system ( which I experienced a scam with ) did it if you do n't talk to a person. They XXXX? said XXXX? said that if you call and talk to a person it will be sent to you in your full name. The guy said that I change my name ... I tried to tell him about the compromise ... The lady said that XXXX XXXX was reporting my name as XXXX XXXX since XXXX XXXX, XXXX*** ( XXXX XXXX said they are not my creditor and they do n't do this.. ) I received a lot of information that was lies from Experian after I went to verifiy it. Fraud is involved because I ca n't verifity the integrity of my credit report or my loan information - another issue with XXXX XXXX vs the NSLDs. RE : Experian I asked for a pin with my name correct : my name XXXX XXXX XXXX telling them that they system is compromised because I called without touching anything and it said that it would send me my info ... Somehow for some reason I got a report in XXXX XXXX in XXXX. Also Previouslly I got two letters in both names on the same day.In XXXX XXXX. I also believe that someone may be sticking mail in my XXXX XXXX at the XXXX Post office because I had my mail forwarded and they even closed the box in error but for a period XXXX XXXX to ~XXXX XXXX ) I a *green return card torn off a XXXX XXXX letter ( payment for my court order judgment ) *I got stuff only from Experian in XXXX and at home **but the box had the XXXX XXXX on it ( two occassions ) and in XXXX something fishy because the time period was too quick to get the mail ... etc. and the green cards from ( Credit reporting/bureaus and Irs and one other place I sent mail - that I believe was intercepted and what was inside modified- after talking to people and checking on money orders for freeze ). this is a large scam. 
I experienced a situation Late XXXX XXXX, XXXX *** ( note *** above ) and early XXXX XXXX, When I did a freeze on my XXXX and Experian account.. When I did the mailing I sent money orders XXXX XXXX, XXXX and because my bank account said a credit score with Experian. However I tried to cancel the transaction but it went through anyway. The pin came in the name of XXXX XXXX for Experian ... someone is playing with my credit report and my name and tried to say my address was XXXX XXXX, XXXX other than for one month in XXXX ( XXXX - XXXX XXXX I stayed with my daughter ) with XXXX, I had changed my address with them in XXXX and they sent me my pin in XXXX XXXX when I did my freeze ( they had my right address ) .. In XXXX XXXX the Experian person was overly concerned about my XXXX freeze/XXXX freeze more so than helping me with my Experian ... XXXX XXXX The phone number was compromised and their automated system. I had proof ... Please investigate and ask Experian to check their system for hacking and to make sure my reports name is right I sent them a fax with documentation and have been for past years -- - .... I am 100 percent sure they have been infiltrated ... because the scammers would n't be trying to steal and delete evidence. I tried to get to police ... police reports not done when office said he did it - when I brought evidence about the XXXX issue.. I apologize I dont ' have a phone and limited use of computers because they are trying to set me up ( issues with XXXX XXXX and phone/ mail issues- box break-ins especially XXXX XXXX ) I am dealing with much - it 's too much to write out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation