Consumer complaint received 2021-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
my complaint is against experian i believe that experian is purposely reporting on my credit report wrong information I have been monitoring my credit through them for years now keeping records printing out information and after signing up for their Experian boost and then canceling it because I did not like the service it was too intrusive as it wanted me to do was give them more personal information and all they were trying to do was sell me products I did not need or have me get credit cards from there sponsored companies I've had nothing but problems not to mention the fact that they don't verify any of the information put onto their accounts companies are allowed she just put anything they want on their I've literally had money extorted from me from a company Oneness very well-known XXXX XXXX XXXX I went to get insurance from them because I was XXXX XXXX member for years the agent lied to me set up a way more expensive insurance policy that I needed I instantly tried to dispute this they were fused in a three-month. I gave them about $400 and they insisted I still owe them another XXXX even though I canceled the policy immediately because they were pressuring me into a policy I didn't need for a XXXX car I talked to anybody and everybody I could at the company trying to get the situation resolved the only thing that happened was it was reported to the credit bureaus and every month they would peanut a dollar just to harass me I paid him off just to stop the harassment even though I really didn't owe them the money XXXX XXXX did something similar 5 years I had a credit card with them never late once I had an issue when I moved with the XXXXXXXX  company them double charging me I also ended up in the hospital I contacted them trying to resolve the situation and in my working to resolve the situation realize that they had been overcharging me stating that my payments were late when they were not the pay attention to this this whole time they were charging me XXXX or XXXX extra dollars a month saying my payments were late they not once did they report it to the credit bureaus because I actually wasn't late when I discovered I have been being overcharged and was able to prove it and they actually refunded me over $75 all the sudden they report it as me being late to the credit bureaus but I was never late and if I was late it was a one time when I contacted the corporate office because I was getting tired of being overcharged or not being able to resolve the situation when I actually had proof I was retaliated against Experian made this possible back then I didn't believe that it was Experian but now I find that they manipulate my credit score for themselves I made a lot of effort even pay debt that I felt that I didn't know you know what happens they start reporting all my accounts is high-risk they a report accounts as being different types of accounts and what they are with higher balances the reporting my XXXX account which is a medical account for my dogs as several different accounts when it's actually just one I paid them all off separate a small amount and now they just recently reported change this and saying that the company is reporting it as it was an outstanding balance as if I wasn't paying it and then I just paid it off I've been screenshotting all of this I make a complaint they retaliate they find some other way to keep my score down they come up with this FICO 8 or FICO to understanding your FICO score it's a scam is somebody has in pain and has an excellent payment history where all their payments are paid on time or before 4 last three four years and then before that they were all paid on time or before that until one month when they XXXX  sick and then everything fell through not one company would work with me not one company wanted to help me and like I said a couple of more overcharging me and I was not able to resolve the situation because Experian was right there to help them at the store at the money I had no other choice I'm at their Mercy if they want to XXXX me over they can they have they are my life is less than it should be I'm paying higher rates I'm struggling I'm constantly stressed out I got better things to do than to argue with a credit company or creditors when they're lying or just too lazy whatever is which is desperately affecting my life they're making it where I can't buy a house I'm struggling and you want to know the topper I have been XXXX since day one 23 years old credit companies I don't remember which one put on my report or loud the city of XXXX to allow a company that was later busted for ripping off elderly and disabled people put stuff on my credit report even though I was the victim of XXXX XXXX I was a victim in the situation I did not commit the crime the person that XXXX XXXX committed the crime yet I was held responsible for it never have I been given a fair chance I gave up for a while but I can't do this anymore why do you think there's so many homeless people out there because he's credit bureaus and credit companies are allowed to manipulate lives for their own gain these credit card companies that are supposed to work with you they don't I'm sure they're not all bad what if you never had a late payment and you have one problem and you call them and you ask them to help you and they absolutely refuse and the only offers that you're offered our high rate offers that are ridiculous I get offered cards with annual rates of like a hundred and twenty-five a year plus a monthly fee of like six to nine dollars on top of that interested like 23% or more that's outrageous the worst thing is I can't buy a house I need a home I'm sick of Experian I call him unless you have an account with them they treat you as if you don't exist any type of item that I tried to dispute I get nowhere or they have some kind of legal reason why they have to leave it on my report I'm recently they've allowed several companies to put inquiries on my account in an access and they say that this doesn't affect your credit score but it absolutely does because I'm denied credit because of it it's not fair it should be illegal and experience should be monitored and held to answer for their lack of integrity especially when they hold the lives of so many people in their hands

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