Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Early last year I looked at my credit report and noticed there were XXXX or XXXX Fraudulent Acts or Errors made on my report. 
It was brought to my attention by the XXXX XXXX XXXX, because I have to maintain a standard credit score to remain a tenant in the building where I have been living for 4 years in peace. 
So I filed a police report because there was no way that the charges belonged to me. Two of them were from out of state. And the other was to a local hospital for over {$10000.00} that I had never been to. And have full coverage insurance and it would have been paid. And the other 2 on my report I disputed, got evidence and submitted it and eventually won after 6 months of wrangling to have them removed off of my credit report with less than minimal help by Experian. And they were " Helping Me '' it seemed like they were more in cahoots with the Debt Collection Agencies than trying to help me. But I took there advice as it stated to get credit cards,,, where it's like I pay XXXX for XXXX worth of credit. And build up credit from there. But I brought it up to their attention that my credit score didnt go up not 1 point when i had the 3 Debts Removed, infact went down 10-12 points and they said it would adjust the following month but never did and feels like it never will. And suddenly there was another debt out of state, I had no way to contact the debt collection agency, I forwarded that info to the police, and the officer said there was something shady about that. And he contacted Experian because they insisted on a copy of the Police Report. I obliged and that was removed. They treated me terribly. And even would call to see if I would make a payment to The Debt Collection Agency to get my score up. When it's not my debt to pay. 
I tried my best to get my score up and it seemed successful when I went to XXXX XXXX instead of dealing Experian directly. 
And this entire time. Which is very frustrating, I'm battling XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the Officer had bigger fish to fry than my credit report. XXXX XXXX ( Minnesota XXXX ) and so much more and our correspondence was minimal and finally closed the case when the debts were removed and as quick as that another one from out of state came on there. How is all this possible? And Am I set up to fail? Is this how it works. I almost died this year. My income was {$200.00} per month from XXXX up until XXXX of XXXX. For over 4 years my income was {$200.00}. That was it. People spend that at the gas station. Is what I'm told. 
No one, no one at the credit agencies would believe that was it. XXXX and everyone in my building and doctors, home nurses and social workers know that was all I was receiving in benefits and before I got so Ill. I did try to earn more as they describe on XXXX Hoarder especially when the Pandemic hit. I felt as an American it was my responsibility in some way, to keep our Economy Floating. So I bought and sold ( tshirts, bags, Sneakers ) and it was ok. Until it wasn't. I became XXXX Physically then severe emotionally and You can't move, no incentive can help with that. I know my bill payments are over due from XX/XX/XXXX, my Telephone and Internet get cut off, my car, ( the only thing I have ) Someone stole the entire Catalytic Converter and Muffler System out. 
My funds were directed towards my needs. My XXXX XXXX Hearing Went in my Favor in XX/XX/XXXX. I had XXXX XXXX XXXX on XX/XX/XXXX. 
Am officer came to my door. 
My car had bad tags on it and no insurance and I was fined over 500 on each ticket and had to appear Infront of the Judge on XX/XX/XXXX. 
Via XXXX Dear Sir, Ma'am, Everything I'm telling you is The Honest to XXXX 's Truth and can send you anything you need to verify any of it. Every bit of it. 
I can't not express to you enough how painful recovery from this XXXX was and still is. 
Especially when I decided not take pain meds, because I have been clean from XXXX since XXXX. And I also decided to quit taking the XXXX they had me on and all the antidepressants all while immediately recovering from XXXX. 
I had nurses coming up to check my vitals XXXX times a week. And it was XXXX. 
I don't think anyone can understand if they themselves or someone they truly love fights the pain of addiction. 
This was a battle.Full on. ( I suffered and endured the worst 54 days of detox in my life ) in the meantime. My bills were unpaid, no phone, no internet, and I had to take care of my legal issues. I Iive alone, my neighbors are older and also handicapped. 
I had to register the car, transfer title, tag it, and Obtain Full Coverage Insurance, and pay the fines ordered by the Prosecutor all in timely manner which I have recently completed. My XXXX XXXX is {$790.00} which is great compared to {$200.00} but it took 3 entire months of {$790.00} 's just to take care of the legal issues. Now my rent is past due. I got a little help with that. Also my utilities. But everything has gone up tremendously and not to mention I could not drive my car until everything was paid. And I'm doing all this court, DMV stuff on crutches and spent {$430.00} on XXXX. If I don't have it, why am I punished so badly.. These 2 credit card companies WOULD NOT accept a payment for {$20.00} neither one would. I'm yet to get any XXXX back pay. My Checking Account has been cancelled because of overdraft fees. I was so worked up about everything, just everything. Because it seems like no matter how hard I try. 
NO Matter How Focused and Committed My Credit Score will not Go up. 
I changed my mind about that because within myself I reminded myself that because I worked hard and I kept my focus I am 4 years clean and sober through out all this hardship and despair. I need to seek out the help I needed for recovery in the same way I need it to improve my livelyhood. 
Good Credit is a necessity, for everything. But this fight has a life of its own. The Creditors will not work with me. 
THEY Want lump sums that I do not have currently. They wouldn't accept a payment from me unless it was {$85.00} or 1/2 of the entire amount that just grown by 95 % a month my bill was under {$100.00} before I became deathy ill... It was XXXX XXXX XXXX And the Fees and they Keep piling up. XXXX XXXX XXXX said that I didn't have to worry about my delinquent bills and they wouldn't effect my credit score because they weren't allowed to during the Pandemic. Well that definitely was not true, because they stuck it to me like never before. And she was just trying to keep my XXXX XXXX down. 
Please please please please help me with this. My score is now under 500... I have to be above 600 to live in these structures and anywhere really. 
I only have about {$1000.00} in debt entirely, but they are committed to making sure my credit never increases. 
Do you notice for a poor person like myself, everything is twice as high. 
How does that make sense. How? 
Please Dear Sir, Maam. 
I need assistance. But not the kind they offer on these sites. I don't have that kind of money to pay someone to steal from me like they have been. 
I've been educating myself, on credit, and how it works, I'm XXXX and I have never been informed, told, or even taught about my credit, except from what I thought was accurate information from Experian, I thought I was Adulting and becoming responsible. But instead I was gullible and weak. It's XX/XX/XXXX and there has been a death in my immediate family. I have no emergency money and I can't go I can't afford to send flowers that are cohesive to rest of the Funeral. No one considers Funerals as important unless it's someone they care about, no one considers a car repair, legal costs, ride costs, unless it's them. 
No one cares, they are just doing their jobs. Their Jobs are going to make me Homeless. I'm writing to you. Because now that I have handled my legal issues. It's now time to Focus on this situation. 
But you have to understand. I can only handle one situation at a time. Just like my sobriety. One day at a time. 
But again. I am definitely way over my head. 
Is there anything you can do to help me. 
My financial situation isn't going to change anytime soon. So please take into consideration. That the {$790.00} I receive now monthly has put me in a different bracket with how much my rent has gone up and I'm also paying Full Coverage Insurance and Premiums to survive. 
There is no simple solution. Because if there were, I would have paid it. 
But if I don't have it. How???. 
Im not close with family and have no friends. I have no one and can only rely on myself. So I need you to please advise me as best as possible. 
This month in XX/XX/XXXX tomorrow I am paying my overdue XXXX XXXX XXXX have internet and phone service again. It's {$170.00}. 
Dear Sir, Ma'am, It's not like I'm not trying. I'm doing everything I can. And I can't get ahead. I sacrifice everyday, I haven't had a professional haircut in over 5 years. I shop at XXXX only. I buy only what's absolutely necessary. My XXXX was me the tv and Noodles. That's how my XXXX is going to be. I'm still recovering and in physical therapy XXXX x a week and mental therapy weekly. 
But they tell me things aren't true when it comes to life. They try to calm me. And help my well-being. I need some help with the things they can't understand. Because it will never ever happen to them. We live in XXXX different worlds. 

I left from a foster home at XXXX to work to XXXX bad relationship after the other. 
When I say I almost died. I literally died for several minutes and was pronounced dead, and I am grateful to be here today. Alot of us didn't make it through this Pandemic. But I need make it through life. And I need you to understand that I can't make it without a descent credit score, if I get tossed out, I have no where to go. Nor do I have the energy to that. So they will have to take me out in bag. 
And ive seen them do it. The neighbors on either side of me. Both deceased recently. This is the world I live in. 
As I gain my strength, and getting my phone and internet installed by next week, someone from XXXX will be up to install the services again. I plan on attending college courses online, to improve my financial situation which is a great plan for the future. But I still need to live in the NOW which is my existence and I can't count on the future when I can count on the NOW. I'm XXXX. 
Please consider helping my situation. 
Please help me like you would a family member or someone you cared about.. 
I'm doing my part this month. And XXXX  Non payment should be removed after payment. This week for sure. 
But XXXX XXXX XXXX XXXX and whatever else Experian cuncocks will still be there and that's what I need help with. XXXX didn't charge/ or waived all late fees so that's easier to resolve ..... 
They are working with me. And lowered the cost of my internet. Experian referred me to XXXX XXXX companies that I'm set up to fail..And I can't Fail again. They lead you to their Their highest paying advertisers. Which seem like they are doing people like me A HUGE SERVICE. I know better now. 
Please Advise and Thank you for reading my letter. Please don't hesitate to ask for any verification on any or all of the above subjects I've mentioned. 
XXXX Bless, XXXX XXXX, XXXX XXXX. 

XXXX XXXX SS. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN. XXXX XXXX

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