Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
It's been quite a few years about 4 to be exact when I first started noticing having problems with certain things like me getting confused with another person at first I thought it was just me I was just random then I started noticing certain charges certain accounts open and my name certainly mail coming to my address that I never knew what was going on I started contacting the appropriate places nothing ever got done I ended up getting XXXX   for a XXXX XXXX later to find out when I asked for XXXX  I seen multiple things on there that I didn't recognize when I got out I pursued complaints with the FTC I thought that's where I was supposed to complain I never heard anything back XXXX never heard anything back my concern is I recently started looking into my credit because I needed to get an emergency loan for XXXX  XXXX and now I've been denied by every place you could imagine when I just need to have XXXX done and I need legal help and I've reached out to banks loan companies everywhere to try to get a loan to get emergencies taken care of my credit report showed things on there that were inaccurate and when I disputed them immediately they told me that they would delete them and I even have screenshots of showing they're supposed to be deleted yet when I go on XXXX   or XXXX XXXX  still has them on there as if they're still new but one site has them deleted and then I contacted XXXX   XXXX  told me I was part of some data breach so I signed up to be in part of the settlement I don't even know if that's true or not The bottom line is all I've tried to do was get credit fixed all I've tried to do is get in to have XXXX done I don't have money to do it I'm in the middle of a bunch of complaints with medical departments because I'm pursuing a lawsuit because I'm XXXX  XXXX I'm on a time limit and no matter what I keep running into this where I can't get a loan from any place and it's due to these inaccurate things in my credit report some of them are mine and I will have tell you which are mine and which are not But most of these I have either settled or I was insurance or I have recordings of talking to the places where they told me a different prices were supposed to be paid The whole thing is it's so inaccurate I don't know what to do anymore I need a loan and no place will help me because of this no one will talk to me because I can't communicate on the phone cuz I don't have the phone and I need someone to contact me or help me get a loan and I can't do it without this credit being fixed bottom line I don't have any credit I've never had a loan I've never applied for anything in my life and I need help I have a few days left to save my XXXX   but I can't get anywhere unless I pay for the XXXX or get the help pursuing a legal action with these medical companies I have proof and documentation I need to know what to do

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