Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: TX
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:
My business was closed due to covid19. All the information on my credit file after the purchase of my home in XXXX of 2019 is false. My information was compromised in XXXX  XXXX  data leak and t mobile data leak. Someone used my info to try to purchase vehicles to open credit cards and many other things. I have reported identity theft to Experian XXXX times over the last couple years. I was unable to get cares act funding and the XXXX cited Experian as the reason for my denial. I have not applied for credit of any kind since the purchase of my home in XX/XX/2019. Everything negative on my credit is due to covid19. You can simply look at the graph of my information to see I went from excellent credit. XXXX when we purchased our home. This has devastated my family and my business. Cons furniture refused to put me on a deferral list I told the the cares act states they are required to work small business owners. They started reporting negatively immediately after shelter in place orders were issued. I applied for unemployment and I got a message about suspected fraud and I couldnt reach anyone or get help I had XXXX in retirement that in had to use because I couldnt get the assistance and Experian was cited in every denial for relief assistance. To top it all off XXXX XXXX  sued me after calling me everyday saying they were putting me on a Covid19 deferral list and never actually doing it. They called everyday sometimes twice a day until my phone service was shut off due to non payment. I live in a brand new XXXX home with XXXX in equity that I couldnt get access to due to liens put on my home by XXXX XXXX XXXX after I couldnt pay the bill on the solar panals on my roof. My HOA place a lien on my house. The $ XXXX month was increased to $ XXXX month because they charged {$80.00} in penalties each month. I finally was able to get promising news after congressman XXXX XXXX office reached out the XXXX in XXXX. XXXX XXXX XXXX XXXX emailed me saying he was so sorry to read about my families situation and he offered a XXXX loan that we could add our personal expenses in with our business loan and it would be 90 % backed by the XXXX and they could help package the deal and account for the credit damage and hopefully get our life back. XXXX XXXX  told me they werent taking XXXX loans. I said this is the only way for me to restore my accounts and to get my life back. They said they were sorry. I went into my local XXXX  XXXX XXXX. They told they couldnt help me. My account with them was closed out due to inactivity after shelter in place orders. I sat in the womans off trying gain my composure as I was unable to stop crying. She stared at her computer as I stood up and left the bank. I just sat in the parking lot and cried. The XXXX XXXX loan up to {$5.00} XXXX with a 90 % XXXX backing. That was the only help offered after over a year since Covid. We were desperate for help and when we finally were offered the banks said no. Then my electricity was shut off due to non payment a couple months ago. I went door to door asking if I could get assistance as the only help that Ive been able to get is SNAP FOOD from the government. My bill was {$210.00}. The following day I was able to pay the bill. The neighbor next to me said he couldnt help and then called child protective services. CPS came to my home saying there was reports of us having no power or running water. We had power back on and I asked the them to help me as I have applied for all the programs and not gotten help. I am entitled to cares act funding and have been denied due to illegal reporting on my credit resulting me being denied XXXX loan. CPS didnt help us with anything. CPS came with the police and said they were taking our 9 year daughter. I told them what was going on and the police said they werent going to assist CPS with this case. A week later the sheriffs depart swat raided our brand new XXXX story home at XXXX XXXX  they smashed our front door in smashed our master bedroom door in and threw my wife on the floor who was not dressed as she was in the tub. Someone filed false reports to CPS. The sheriffs department didnt have a warrant. They arrested me after beating me up and saying I resisted arrest. I didnt resist arrest. I never dreamed that they would smash in my doors beat up me and my wife and kidnap our child.

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