Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am now getting adverse action letters from lenders with not only the problem being the mistakes on my credit, but that they have no access to my credit, which is the same problem I am experiencing, have been experiencing, and continue to experience on a daily, hourly, minute by minute basis. Experian keeps sending what I now consider to be fraudulent emails, in attempts to save face by telling me I can reset my password, but each time I do this, ( which I have counted now, must be 100 times or more ), I get no access. I will also save my phone records, as to how many times I call and get nowhere because they have a system that loops you in circles with an automated voice. When you get around that circle a couple times, you are simply hung up on and can do nothing but call again. I have yet to be able to speak to a live person, while even on their site requesting this. I am saving all the denials I get, or mind blowing 28 % financing rates, because of lack of reporting, or lack of being able to get the reporting. The latest lender to inform me via adverse action is XXXX XXXX XXXX, who also has hard checked my credit multiple times trying to get information. I can not get any answer from them in other pending loan requests due to this. I am now without a car for 2 weeks. I am suffering a loss of business now that if I use the minimum daily, equals {$2000.00} in lost revenue and potential sales where I could not deliver and customer cancelled because they did not want to drive here. The impact of loss of revenue and loss of potential new customers is much larger than that. The mental anguish and suffering I am undergoing because of this seems beyond calculation in my mind, but I will calculate it for a lawsuit following this investigation. I would like to challenge with eh CFPB as well, this horrible process. The 30-60 day window and having to go thru the credit reporting agencies before you can even think of a lawsuit against a creditor, and the wait involved is preventing me from my constitutional rights under Article 5, which protects my rights to liberty, security and personal freedom. If a reporting company is responsible to publish reporting for an agency and about us, they should have the manpower to be able to update and implement corrections or updates in a manner that doesn't cause the anguish, agony, and detention of someone's life. That is what is happening. Not to mention, if I decide to take any of the few loan offers I have received due to this, I will in interest, be paying 28 % vs. what I think would be fair to say 12-15 %, and would cost me $ XXXX- {$5000.00} less on a down payment. It is making it impossible for me to conduct my life in a manner that I feel is safe and affordable, while it is also preventing me access to finance a vehicle under Fair Lending Laws. I have saved every transcript of prejudice, and assumption I have received, because quite frankly, there have been some pretty unintelligent facilitators in the various selling experience who have put these remarks in writing or text. Since I have gotten no response other than the entity is working on it, while my situation has gone from horrible to worse than that, I should be entitled to sue after this investigation for the pain, suffering, loss of constitutional right and loss of earnings this juvenile reporting and lack of access has caused. One day is not right and now I am going on 10, plus things of my past that were either under higher APR or denial.

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