Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a Letter of Instruction to all 3 credit reporting agencies regarding errors and omissions to my personal information such as names used, addresses and employment history ... I also questioned why 30 or more years of my mostly good credit history apparently disappeared ... this was apparently credit history under my maiden name ... I included all documentation that was required ... along with a Consumer Statement with supporting documentation that I requested to be included with my credit report ( s ) ... all 3 agencies either can not read or just plain did not do their job ... none of them fixed the errors or add the omissions that I requested ... there were partial fixes ... but between the 3 agencies I had items removed and added that were completely contrary to my requests ... I am not even talking about any creditor information ... I am taking about personal information errors ... I am beyond frustrated ... I am ... excuse my language ... XXXX well XXXX off ... my credit was ruined thanks to my ex husband and now I can't get the credit reporting agencies to fix simple errors and omissions ... I am trying to find a place to live after being homeless for over a year and I am XXXX years old and XXXX ... I live on XXXX but I finally received my XXXX XXXX XXXX in the county in which I live after waiting almost 4 years to get it ... I spent a nice chunk of change printing and copying everything and then paid to send it all 2-day priority mail ( that was another nitemare cuz nothing was delivered on time but the USPS only guarantees XXXX XXXX  but failed to inform me of that ... even tho I told them I needed everything delivered asap ... and paid for a signature on delivery ) anywho ... I have no idea where to go from here ... I bent over backwards trying to get what I could corrected to absolutely no avail ... on top of that ... I am supposed to be able to view my free credit reports from all 3 credit reporting agencies ... online ... weekly ... Experian says I can only " refresh '' my report every 30 days and XXXX  does not have online viewing ... they expect you to print and complete out a form and then mail the form and a bunch of stuff to them ... I just freaking did all that ... something seriously needs to be done about these agencies ... they hold way too much power and are not being held accountable for the accuracy or inaccuracies in their reports ... I would also like to know who to contact or how to go about requesting that divorce decrees be included and be honored by the credit reporting agencies ... my ex husband is legally responsible for about 95 % or more of the bad debt items included in my reports ... but all I can do is write up a Consumer Statement only to have all 3 of them completely ignore it ... in the meantime I am stressed completely out because I am freaked out that I wont find a decent place to live because of my poor and very risky credit score ... I am at my wits end ... please HELP

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