Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an identity theft victim, who was impacted by the XXXX XXXX   Data Breech. I had been debt free with no outstanding items prior to that. By the time I learned I was a victim my credit was destroyed. 
My complaint is against Experian Consumer Reporting Company who has for the past year prevented me from getting my credit corrected and has continued altering my credit reports by removing my accounts and replacing with other accounts that belong to my ex husband who I have been legally and financially separated since XX/XX/XXXX, they have refused to remove any of the accounts that were opened due to theft, they have locked my credit reports, prevented me from getting a job, obtaining a car loan for no reason, I have never had a repossession and this Company for the past year has completely ignored and disregarded all of my efforts in providing them with all the documentation they requested XXXX times over. I need someone to help me with this credit bureau. 

Experian XXXX XXXX used : XXXX XX/XX/XXXX and Credit Report XX/XX/XXXX XXXX. 

XXXX Sent Experian by fax a copy of my police reports, FTC report, copies of letters I had sent out to all merchants and collection companies dated back to XX/XX/XXXX, none of which had validated any of the information that was being reported inaccurately. Faxed and sent certified mail on XX/XX/XXXX. 

XX/XX/XXXX I was unable to access my credit reports by phone and or online until XX/XX/XXXX my birthday. Experian declined me from getting the Experian Boost. The company that I pay rent to automatically reports payments, I dont report my rental income as Experian stated I was doing on my credit report online. They removed XXXX XXXX and anything I have good being reporting has been eliminated by Experian XX/XX/XXXX Excepted the one-month free monitoring services offered to identity theft victims. I Although, I did not need their services I signed up to see what would happen with all the accounts they refused to remove. Nothing happened, except I learned that Experian did not have any of my police reports or ay reports in their systems and they needed my information sent again and hung up on me. 

XX/XX/XXXX Logged on to my Experian credit report and Experian added XXXX back on my online credit report doing the exact same thing they did in XXXX which was add all my ex-husbands information that they have never removed and this XXXX account that belongs to him. Its not fraud and or identity theft, its from Experian merging credit reports. This time there was a collection company attached in XXXX NC, and an account number partial that I did not bother with. I did call, and spoke with XXXX, on a recorded line, this company had nothing related to me in the system. Social Security, Address, First and Middle name. I knew this already but I wanted to call and confirm. Never once called Experian to file a dispute and or ask questions. 

XX/XX/XXXX Received a copy of an online fraud report blank form with the collection companies name in the corner of the form that I spoke with on XX/XX/XXXX I called and spoke to a lady who this time knew my social security number and address. I am not the account holder and I had requested Experian not merge credit reports with my ex spouse who I was separated legally and financially from XX/XX/XXXX and the very person I had arrested for domestic violence. My privacy was just handed out to a company I have nothing to do with because I shared a last name.

I am requesting your help please. I have done everything correctly, sent reports three times, including copies of birth certificates, drivers license, social security info and it does not end.

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