Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: NC
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: Problem getting your free annual credit report

Complaint:
FIRST RECURRING PROBLEM I keep getting confused with someone who has my whole maiden name ( 16 years my junior and IS AN ACTIVE FELON!! ) Her name is XXXX XXXX XXXX. She also has XXXX  issues. She lives in XXXX County NC and is XXXX. I have not been my maiden name for 17 years anywhere on paper and was married ( only Once ) ANd that married partner was XXXX XXXX. I am unable to explain some employment denials and am often not told reasons. I am told by authorities that some searches stop at name search and others are more involved. Her birthdate is XX/XX/XXXX and mine is XX/XX/XXXX. I have nothing nor ever have had anything to do with XXXX County NC. 

SECOND RECURRING PROBLEM I keep seeing that I have a mortgage on XXXX   Supported XXXX XXXX. I have told them that I did not sign up for this in XXXX when I first discovered the Mortgage that was opened XX/XX/XXXX. I have since not been able to get free credit reports without a struggle from each of 3 reporting agencies since XXXX. A bank=-credit union rep helped me get an XXXX  report because I was trying to buy the townhouse and got an ameritization schedule from them about the property. That was last summer XXXX. I have been on thephone for hours this week trying to get a free credit report AND or unfreeze XXXX and I keep getting that there are technical difficulties by phone and by web. The XXXX rep that helped to undo freeze for 3 days at my request-from Thursday, XX/XX/XXXX ( my day off ) until Sunday XX/XX/XXXX apparently did not do something right because I still can not get any access. I am unable to get a free credit report each year. I have paid for credit repair services that have a tough time getting my reports -some {$100.00} a month. I can prove this. I have also purchased for several months-aggravating and unproductive- the XXXX   monitoring for {$19.00} amonth. still nothing. I believe that someone is actively monitoring it because I keep looking for Mortgage information. I thought it curious that ex spouse refinanced his home two days before i purchased a car. I wouldve gotten the car sooner but the dealership could not pull my credit even with me at their own office PC and on their own phone trying to lift one freeze that I found was on all 3 credit reports. Then today I found that XXXX XXXX with XXXX  XXXX and another site that I was referred to by a credit person at a bank just to help me free monitor STATED on screen today that I was already signed up with it. I'd jsut heard of XXXX XXXX on Thursday morning thought I'd try today because I have the time and it did not let me in. This is another free service I did not sign up for. I saw on Thursday night another XXXX XXXX page in my name that states I have a mortgage. I pressed button to refinance and it stated my balance to be {$230000.00} as of XX/XX/XXXX and some lenders called me from California same l=night late. Please help. I want to see if anyone disputed anything in last 6 months. I want to see this in writing and get each free credit report that I am entitled to per FCRA for XXXX. Are you able to give me a copy of any credit bureau 's snapshot of XX/XX/XXXX now? Just curious. Please let me know if I can upload or fax or mail any proof of NO access for free credit reports from annualfreecreditreport. com over the years. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX NC XXXX ( lived there 3.5 years ; phone 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 non-monetary relief