Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: TX
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:
Dear Consumer Finance, over the last nearly 6 months I have been going through an incredibly cumberson identity theft case and followed the program set forth by the FTC. 

I'm not really even sure this is the correct government agencies to address the issues listed below. After countless days, hours, weeks trying to correct the problems caused by the identity theft and dealing with all the credit agencies from the FTC process EXPERIAN, XXXX AND XXXX, I was able to finally get some issues resolved. However, and I am sure this will be a major surprise to many people in the same situation, after my credit scores had improved some and I was able to attempt to apply for credit as I am on XXXX and not having the ability to receive credit can literally be a life or death issue. Most recently, I have been declined credit for reasons that were not on my credit reports or for reasons and sources that I never heard of and were not listed on any FTC suggestions. Therefore, in an attempt to again try to manage through this bureaucratic nightmare, I began to research the sources providing inaccurate, fraudulent information to the so I could correct the information. My research of the sources mentioned in my declination letters from potential lenders were actually companies owned BY THE CREDIT BUREAUS! 
Myself and I am sure millions of people will be shocked to see this. How is anyone supposed to ever overcome and identity theft case laid out by the FTC when the actual information is being furnished by a subset of credit agencies owned by EXPERIAN AND XXXX  AND XXXX. Most recently I was denied a loan on the basis of information received by XXXX XXXX, which is owned by XXXX  and from information provided by XXXX, which is owned by EXPERIAN. What is even more dishonest and fraudulent is that the information cited IS NOT on my credit reports that I have access too. I sincerely hope that Consumer Finance can assist me in correcting this problem and I have already contacted my attorney for guidance on what is clearly an unjust, corrupt and literally life altering issue. As a victim of the credit bureaus own mistakes i.e. hacking of information, as millions of other people have been, how can anyone ever overcome problems that they did not create when the companies holding the very life of people in their hands be permitted to blatantly misrepresent themselves, start " shell '' companies and provide inaccurate information that a consumer doesn't even fined out about until a credit inquiry cites information from companies that most people have never heard of. I will close my complaint with this, not only did the source of the information present a red flag to me but strangely the wording in the citations was verbatim the statements received previously by the credit agencies that I thought I was supposed to be dealing with ... ..whose overseeing who? I actually thought these 6 month ordeal and the FCRA act would actually help someone victimized by identity theft, some caused by the credit agencies themselves.

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