Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had XXXX credit score as shown when I was buying a SUV to lower my interest also in the process to refinance my Mortgage, I work hard  to pay early and do the right thing, in XX/XX/XXXX my dealership pulled my credit it showed perfect credit at XXXX  score and had order the color and options I wanted, when the new SUV arrived it took 35 days to order so the dealer had to run my credit again, this time it showed XXXX score and with 3 collection from around XXXX, it wasnt my and I could buy that SUV because the score, same time my Mortgage was also declined for refin. It was from XXXX  Bureau, so I disputed those collection finally after months is calling and worries they removed those collection but it showed a XXXX score, because they comprised my personal info and leak of my info it cost me to paid higher interest cost me XXXX of dollars, because of them my score from other bureaus dropped my score. I couldnt get a loan for nothing, because my payment was too high due to higher interest rate at that time plus I was XXXX  for my mom and XXXX XXXX of her, I had to sell my items even my house because my mom passed and lots of bill came to me, I couldnt even finance a pencil. When XXXX  removed my those negative item it took my score that I build so hard and doing the right thing, I though the nightmare was almost over than Experian Bureau did the same, it was Negative or collection but it showed I was deceased, yes show I was dead!!! Wow after all I went through with XXXX now I had to deal with Experian, I put in a complaint and dispute because Im not deceased, they put my score to XXXX, I was trying to rebuild and hoping XXXX  give me my credit score back because what they did, but instead no reinstatement of my score but base on  the Experian at deceased XXXX score it went even lower to XXXX with XXXX  that dropped my XXXX  to mid XXXX, I dont know when did Experian put I was deceased but it has to be in XX/XX/XXXX because we try to buy the lease I was in because lease was ended I was trying to finance to keep my SUV because all the lease payment I paid. So we found out what Experian did I was deceased in their system and because that other Bureau was mid 500s, so I lost my SUV and it had little damage on it so lease company charged me a fees and double on damaged over {$6000.00} and I had to borrow payday loan so I can take my kid to see a doctor and I had to fix my older car due to lost of my SUV I had no choice but to borrow high interest rate loan like 35 % interest, after I sold my house at the first issue in XXXX and pay off most creditor but couple send me to collection ; and I couldnt buy a home because those collection, I had to rent a small 3 bedroom townhome with XXXX kids and my wife paying other people mortgage since my house was sold. My company I work for 5 years in XXXX of XXXX move me to XXXX  for promotion, after they check my credit was so low, I did not got my promotion, I did everything I could and dont know much about the law so they took advantage of me been patient with them hope those Bureaus will do the right thing because its their fault, but it stay the same, I had to file  Chapter XXXX Bankruptcy to protect the little what I have for my family and prevent those collector Garnish my pay, if that happen I would lost my family and their well-being, making a living is hard, I did not use any help from government or program because I want my kids to  know about working hard and do the best to support our family, and do not do what lots of people do file assistant from our government for hand out. One last I forgot to mention was I was hurt at work, I fall and  damaged both my shoulders in XXXX, because who I am I power through my pain working 55 to 60 hours a week to put food on the table and a roof over my family head with those Credit Bureaus breach my info and ruin my credit score ; I finally couldnt work anymore so I  did XXXX in XXXX for my right shoulder full construction repair and XXXX XXXX, and my left shoulder this year in XX/XX/XXXX for another full construction repair and XXXX XXXX, and through that I work in pain and dealt with all this both Credit Bureaus that ruin my life, because what they did, I had to work extra hours and harder to support my family, used all the money I had saved, sold anything valuable I could to pay for my XXXX and I had to file that Bankruptcy XXXX to protect my family from those scam creditors and those 2 bureaus, even after all the try and call, now my score with  Experian shows NA and deceased and XXXX  is mid XXXX, Im on my last nerve with them, I lost XXXX of dollars, and could of save also XXXX of dollars, put my nerve through XXXX, cant sleep at night, both shoulder XXXX and XXXX XXXX and XXXX  to the point I cant XXXX, XXXX XXXX  through tout the day, money spend on my doctors because of my symptoms cost by both Bureaus the biggest was moving to Utah though I had my promotion, because of my credit, I lost the promotion and didnt even got moving reimbursement from my work because my work though I lied to them and give my promotion to the next in-line that alone costed me {$15000.00} a year raise and additional bonus {$5000.00} per quarter. Please I need help from anyone that cares, because Im XXXX I get treated this way, Im from XXXX and I am a US citizen.

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