Consumer complaint received 2021-12-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX I reached out to XXXX and XXXX XXXX after personal info kept changing and when I noticed loan amount had significantly increased- at the time I didnt know where ( what area ) I had to go through loans ( XXXX XXXX and XXXX were the two that seemed off ). Note beginning in XXXX and LaterI noticed theft of personal documents I had been organizing ( credit reports, XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX credit cardXXXX XXXX XXXX  ( now XXXX ) and loan documents were turning up missing- I had them in folders in a wide cardboard filer first XXXX XXXX entire folder then XXXX XXXX XXXX chase and credit reports I had a tote of XXXX XXXX documents and class work- they took that ) I found only a few items and loan papers I hid when I learned what was happening - also when my daughter and I separated she kept a suitcase of papers, yet they got to that when she gave it back - they took XXXX promissory note- if these were investigators they should have returned it. It was not felp loan and not a bank loan. 
I disputed Amt. type and they sent it to XXXX someone came in taking and planting documents fake promissory note crooked on bottom and an extra XXXX XXXX loan distribution list - plus I requested the schools information and again fake info put together ( semester vs qtrs, info inaccurate including transactions and loan info, personal info- sent me somebody info modified- often I saw a re-creation attempt using anothers template fake transcript XXXX and others. No letterhead on letter and more. I tell wats wrong and its made better to fix forgery. In addition, all XXXX broke loose once I disputed or attempted -increased invasion of every area of my life- I was stalked and tracked and cameras. They came in my apt many times- often in night while sleep. They did things to make it seem like me and to tarnish my credibility, slander my name and question or label mental health. I tried to work with XXXX XXXX - XXXX gave her part of loan documents and it was because- it didnt seem relevant to her- theft, forgery, invasion and odd conversations in favor of XXXX XXXX XXXX XXXX She seemed to be gathering what I knew, what I had- anything I said they came after-? Honestly had plenty of info. They took police reports. I tried to keep XXXX safe - she left XXXX police XXXX - she listened and was attentive - and I shared documents with her becausei felt I could trust her. I believe She wrote XXXX in loans. The people behind this has connections and another cop said it was cops ( XXXX ) but he didnt do a report and he whispered it to me- Im thankful he felt bad for me but sad he didnt have courage to stand- XXXX XXXX started calling on XXXX ( she called twice in early at number I brought into XXXX XX/XX/XXXX I spoke to her in day XXXX minutes & she left a message a little after XXXX ..and they kept coming taking or looking for what I revealed-? Something was off and I saw deletion or manipulation of her calls ( I did screenshots- did you know technology can change call info in phone? Well it wasnt XXXX it was XXXX and I emailed and saved XXXX  copies they got to it so I reprinted that page and they took. I continued to call her and she told me her case was for XXXX XXXX I needed to do XXXX I attempted to start a case but I was told by XXXX XX/XX/XXXX that she was told to close case because XXXX case would be reopened it never was I left XXXX messages-? for her to CALL And XXXX made sure my preference was call. Found out someone changed email and preference- regardless I never received a call about case it was a stall Waited for a while- when I recovered fafsa email and learned that there was a cover- up. Things forged with my name different- Experian changed my name to XXXX online in one area then produced report in XXXX and took my copies- I have proof my name was hyphenated divorce and marriage all this was tampered with why me-? I was persistent and I noticed a lot that usually overlooked. Note previously I encountered XXXX rep in XXXX who stated fraud claim was denied because of incomplete submissions - I had been working with XXXX XXXX mainly because loans supposedly originated there and were moved - I filled it that formXXXX pages/XXXX they stole them submitted to XXXX as if it was me and closed their - XXXX investigation to my dispute- they listed many dates and? I dont know what they were referring to - XXXX does things and write letters as if you are requesting it- **theft of XXXX letters occurred often seemly to control complaints- they are evidence- I take photos but they mess with flash drives, computers ( unscrewed ) other camera not working and recently XXXX took film out of camera. XXXX, XXXX they took one of XXXX XXXX pages ( and will likely submit it as if I did it ) * note sometimes they return it i odd places or in plain view ( I pulled tote out closet earlier this year and they sat it i top or they would slip it in an old document/ teaching material to make it seem misplaced- I kept them in folder with a page in between 4 pages. Thats why they only got two. There has been so much illegal activity - I wanted police to do finger prints. I asked for cfpb forms twice. I never got them. I hope this is not stressing anyone - this is real even though it seems unreal. It is too much for agencies to handle .No one should have to go through what I have- it really involved and I have to trust that truth will come out- forged document and manipulation of loan information and more. Its been some weird stuff- I was even threatened and didnt take it seriously at bus stop about better be careful talking about hacking and etc dead like like ( ) two guys with red hoodies warm weather XXXX XXXX  could not send faces hidden I told him I wasnt scared. Went home thought about it shared it and realized. Another XXXX questioned me wanted to know who I knew names favors etcsmart phone if I had one,? if I XXXX XXXX XXXX  and end of conversation he told me it wasnt over walked out room toward copier noticed white male at table to right my phone came on by self and copier rebooted at same time. As I approached then he slipped out library. I went places and sat and saw them come looking for merecognized vehicles also. Leaving coming work site client homes ( going in my car- able to cause doors to unlocked ) Over years I had been trying to make depth of Ed see the small things that seemed like and was hacking into system - I caught incident at wcccd ( extra email financial aid - lots of system issues on computers and more Experian and XXXX compromised before it came public, money order theft usps interception certified and manipulation of info. Last cfpb rep wanted all my emails why- I just wanted a form. XXXX XXXX XXXX Recently, Other documents from past taken and a notebook I logged old doc and loan info I found and servicers calls and source ( to compare ) there were only 4 not 6 and part is in consolidation that amount includes. Review info- says XXXX went to consolidation from total distributed if so balance about XXXX. All of loans should have made consolidation in2006 it shows no more distributions after XXXX. Much has happened over past 6 years. I was hacked in XXXX daughter Id theft twice and what they did to me they tried with her loan documents forged found two different fixed rates one high 10 % and the other accurate -? they plan and target you well in advance- planting fake documents manipulating datas documents there is a way of life doing this and entering homes/ apt if COVID spreads this is why- I had to be careful not to investigate and find self in more danger.just now As I was looking for evidence I noticed other case re : XXXX rep and an email not mine ) XXXX XXXX prints of emails/ document of email missing .recall my bag was in snapped an some correspondences XXXX XXXX XXXX XXXX XXXX, XXXX XXXX docs missing ( forged submission of file without periods and copied onto it and address change on my legal document - From current to do file folder from my bag I believe thats why flash drive messed with and they tossed what they didnt want on table- cant seem to keep up with this12/12/2021

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