Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, Ive been abused by the banks and credit bureaus since I was XXXX ( now XXXX  ). 
Ive been unable to use credit, or my SSN for anything ... no auto loans, real loans, mortgage, payday loans, utilities, cell phones, decent housing, store credit, no bank accounts except prepaid ... you get the picture. 
When I was XXXX my bank gave me loans for a car, truck, motorcycle, then house & my income was $ 400- $ 500/wk. that didnt last long. 
FF to XX/XX/XXXX-XX/XX/XXXXand take out some student loans to go to school, get a degree & better myself .... except that school was XXXX XXXX, guilty of defrauding hundreds of thousands of students over many years. 
There goes another 10 years working 16 hour days so I can live in a nasty basement. 
Thats the back story, heres the complaints which are numerous and involve all three credit bureaus, XXXX XXXX, US dept of education. 
- -first and foremost I meet every criteria for borrower defense to repayment of said loans. While your case is being reviewed, ( 2-3 years ) stop payment and stop collections status supposed to be in effect. 
I APPlied XX/XX/XXXX, re-applied in XXXX b/c they cant find app, and still as of XXXX, cant find either app, no status change. 
- there were 8 original defaulted loans, consolidated into one on XXXX. 
So 8 loans in XXXX ... they multiplied when changing hands from XXXX to US dept of education in XXXX ( now 16 loans ) and again in XXXX ownership went back to fedloan, and 8 more loans were added .... now XXXX plus the consolidated loan makes XXXX. 
?? Must be magic?? 
So these 24 magical loans are still reporting late payments every month even tho they defaulted XXXX. 
I have disputed with all 3 agencies at least 8 times in the last year and every time they update something and get it all wrong again. 
I asked fedloan what they are reporting & they said only the current, consolidated loan. 

NONE of that should be reported since XXXX XXXX original loans are fraudulent. 
Theyve been reporting to the world that I dont pay my bills, and that I dont deserve credit or nice things and its all LiES. 

- the next issue is XXXX bank has been doing Hard Pulls every month for the last few years. I had them taken off through a dispute and they were supposed to block them from continuing to do it but That hasnt happened either. 
-there are several XXXX XXXX XXXX on my Student loan account statements from XX/XX/XXXX-XX/XX/XXXXwhich XXXX XXXX didnt dispurse to me, it says on the site to contact the school about OWED grant money but the school is closed. 
Who should i contact? Theres almost XXXX they must have forgot to give me. 

I started my own business a few months ago and i was told a fairytale that business credit can be separate from personal credit .... yeah, if you have good credit and cash for tradelines youre good to go but me, Ive been denied 207 times for every type of loan, payday loan, line of Credit, alternative loans, XXXX lending, XXXX loans, auto financing, every single one of them runs your credit, even if you dont put your social on the App and especially when it says in giant bold letters No Credit Check. 

I feel Im owed quite a bit of monetary compensation for my pain and suffering for the last 10 years. 
I didnt ask or choose for over XXXX credit agencies to report lies about me, or for recruiting officers to blatantly lie about their school ... ..but yet, its my responsibility to waste hours and hours and weeks and months and years of my life correcting THEIR mistakes so maybe I can get a decent place to live, or a business loan instead of sleeping in my {$400.00} car.

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