Consumer complaint received 2017-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
1. ) I initiated a 7 year fraud alert on all three credit reporting bureaus, to stop unwanted financial officers or others, illegally requesting credit from whomever without my knowledge or request. My identity was stolen and used to commit " IRS ; TAX FRAUD '' from my military XXXX form, making me forever at risk due to all my personal information reported on that sheet of paper. The request for the seven year fraud alert was conducted in 2013. Yet, several places I do not recognize have been able to attain my credit report, and apply for credit without my permission and copy of my license with current phone number! <P/>2. ) Majority of the companies reporting my credit, have dropped my credit limits from the original agreement, down to my highest debt! I do believe that is fraudulent, as my " debt '' was not more than half of the allotted original credit!!! Therefore, they have dropped my credit score extremely low! I have reported it to all the credit bureaus in the past, as well the companies themselves and they have failed to correct their severely fraudulent activity. Please correct. <P/>3. ) There are several " adverse actions '' on my credit report coming from various companies, like medical facilities, yet they failed to use my insurance or my XXXX XXXX XXXX XXXX, and then failed to provide proof of documented services, documented statements for said debts, and any proof whatsoever! Yet, I am being held liable when these medical facilities failed to address the Medical Insurance and or XXXX XXXX XXXX XXXX, appropriately. When I have written these companies, they have failed to provide me proof of care, statements of prices charged, and or any reason my insurance I provided at the time ; was not used! Or my XXXX XXXX XXXX XXXX, which I am authorized to use. <P/>4. ) I have had numerous calls from " telemarketers '' /harassment from private " unblock able '' callers and have had to change my phone number. Someone is selling my phone number, causing me to have to keep changing it, where XXXX XXXX XXXX charges me {$35.00} each time, and I believe they are the ones, selling my number! If the creditor can not reach me by phone to verify, why have they not written me one letter in response?? <P/>5. ) As of tomorrow, I will be sending my second request for the 7 year fraud alert/disputes. The Fraud Alert should be a lifetime, due to my military service and that form that everyone requests ( XXXX ) that has everything someone needs to commit fraud. <P/>6. ) The " Fraud Alerts '' should be implemented, when they are already in place! <P/>7. ) My credit score should be 100 points higher than it is! Due to these above issues, my credit score is " Fair '', yet I pay every month extremely high payments to all these companies and their " interests '', to make my credit better ; and yet they " swindle '' me like this! The " Credit Limits '' were much higher! And I pay more than the minimum payment every month!!! <P/>8. ) Please inform me, immediately anytime/anywhere my credit is requested, used, or accessed outside of my " monthly bills '', so that I can report to local law enforcement. I did not think to report XXXX XXXX for requesting credit through 15 different companies before using their own " XXXX XXXX XXXX '' ( the only one I agreed to ) and I should have the called the police. I will file a complaint on that, to this government agency as well. <P/>9. ) The two addresses used has been the same ones for over 9 years now. Why are several paid loans, removed from my credit report yet several names ( I do not use ), addresses, and more are on my credit reports? <P/>10. ) The credit reports are inaccurate and should show more specific information, for example the actual initial credit limits versus none at all, just debts. Also, should be more specific about points earned or lost, how or why. I have been attempting to attain a high score for over a decade now, and it is only 20 points higher?! Yet, I have paid numerous loans off, attained numerous credit lines, maintained the 50 % to the actual initial credit limit. I want my score corrected. I have been working very hard all these years, sending out this and this letter " certified '', spending what little money and time I have on credit reports, certified mail, ink, paper, time, interest, etc. My scores should be much higher, I pay over the minimum balance every month, with half* or less than half on several accounts of the actual limits! I am never late ... <P/><P/>Please advise.

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