Consumer complaint received 2021-02-14
Company: Experian Information Solutions Inc.
State: AL
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 have a ton of incorrect information on all three of my credit reports. I have never been able to log into my Experian account/report to dispute correct information ; security questions didn't match my information- Wouldn't allow me to login. When trying to call ; wait times are too long. Today I was somehow able to log into my Experian report and I honestly don't know how, because it would never let me do it. Prior to this I was able to have a statement put on my Experian credit report and put a freeze on my Experian and I filed a theft/identity fraud report with the FTC on XXXX Which triggered that with Experian as Experian wouldn't allow me to do so on my own. After today logging into my Experian account and seeing my report- I see almost all the information regarding me is incorrect and Experian wants to force people to call in if it's fraud or theft- During Covid & due to that it has even made wait times even extremely longer. XXXX  and XXXX  don't force people to call in when there are such issues. Experian having this online policy restricts my rights to dispute many items in a timely manner. I did not see an option to upload any proof either. Experian wouldn't let me dispute names that I have never gone by nor never used once in my life because a creditor who has the wrong person reported it to my file? Experian wouldn't let me dispute addresses because a CREDITOR reported the address to them?! Two of the addresses listed on my Experian credit report do not even have a HOME on the property and have not had a home/residence of any sort in over a year ; the property belongs to my spouse who I have not lived with going on two years and in the process of court proceeding regarding divorcing my spouse. Again Experian will not let me dispute these addresses because a CREDITOR has reported these addresses. All three phone numbers listed on my credit report that I disputed ; do not belong to me, never have, & I do not recognize the phone numbers at all. Listed on my credit report ; I have disputed information regarding : Spouse or Co-Applicant : XXXX. How does a credit bureau whose held to ethical & legal standards able and did report only the FIRST name of a person as my spouse on my credit report? XXXX is one of the top common names in the United States. I had to dispute two incorrect spellings and/or names for companies that appear to be related to a job from several years ago ; but the two names listed were incorrect regardless how Experian collected that information. On my credit report it's listed as Notices : " As part of our fraud protection efforts, a notice with additional information may appear on your Report. Notices are not disputable online. If you believe that this information is incorrect, please contact an Experian Specialist for assistance at XXXX. '' Under Notices listed : This address has pertained to a business : XXXX XXXX XXXX XXXX XXXX AL XXXX. PERSONAL SERVICE : XXXX XXXX XXXX XXXX, XXXX, AL, XXXX. Again, due to waiting long times from the call center and especially during Covid times ; I can't sit on the phone for hours getting someone on the line and one who can competently handle these massive issues with my report. There's no homes at the property XXXX XXXX XXXX XXXX, XXXX, AL XXXX, much less a business on the property- If there is any " business '' done on the property ; it's not my business and not affiliated with me in any way. Again, I don't own that property. Yet, Experian doesn't disclose where this " Notice '' is sourced from and/or what it has to do with me ; yet it's on my credit report. Due to only being able to put an alert and freeze on my Experian credit report in XX/XX/XXXX ; my report says : " ID SECURITY ALERT '' & " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' However, Experian has listed on my credit report for Hard Inquiries : " XXXX XXXX XXXX Inquired on XX/XX/XXXX '' on my credit report. That is the ONLY inquiry I have personally attempted to do, but unable to do so because I could not unfreeze my Experian credit report temporary to allow XXXX to see my report, because Experian wouldn't allow me to do so and kept giving me errors when trying to unfreeze my report for XXXX ; I did not have these issues temporary unfreezing my credit reports from XXXX  & XXXX  for XXXX. I have proof from XXXX that due to my Experian credit report being frozen & Experian not allowing me to temporarily unfreeze it- XXXX could not make a decision ; they couldn't see the report due to Experian 's errors when trying to temporarily unfreeze the report for XXXX. YET Experian has it REPORTED on my credit report as a HARD INQUIRY ; when the report couldn't be unfrozen and Discover could not access it. I feel like once again Experian has violated my rights, unethical, and I hope inviolation of the law and needs to be held accountable for such issues. Until today due to Experian 's incomplete and almost totally incorrect information regarding my credit file and therefore being unable to access my credit report until tonight ; I discovered that I have two Hard Inquiries that I did not submit, nor authorize. Of course I can not dispute those online either. The most recent one was on XX/XX/XXXX from XXXX XXXX, XXXX XXXX. The other Hard Inquiry I didn't do not authorize is from XXXX XXXX on XX/XX/XXXX. I have multiple charge off and closed accounts that I did not open. One from XXXX XXXX XXXX XXXX is passed the Statute of limitations in Alabama and was paid off many years ago as the bank directly took it from my bank account and should have not reported it to my credit reports- XXXX  & XXXX  did delete it from my credit reports, but Experian still has it listed. I'm under the impression that all 3 credit bureaus are supposed to communicate to each other when there's fraud, incorrect information, mixed credit files, and/or serious errors regarding an individual 's account? I have to assume either Experian was notified but left incorrect, fraudulent, and/or mixed credit file information that's not mine to continue to sit on my report and/or XXXX  and/or XXXX  are not following policy either. XXXX XXXX  XXXX does not belong on my credit report as my attorney and XXXX XXXX  XXXX attorney made an agreement that if I move out completely by XX/XX/XXXX, that the Consent Order offered forgives the debt. If I do not vacate by XX/XX/XXXX I will owe the debt and will go on my record. I withheld my end of the deal ; I was vacated. XXXX XXXX  XXXX is not withholding their court agreement and reporting to all three credit bureaus. I have disputed this account with Experian. Account : XXXX  XXXX XXXX does not belong on my credit report as it's an auto loan that my spouse sabotaged and took my money for the car loan and did not pay the loan unknowingly to me ; I fall under the Injured /Innocent spouse relief and creditor has agreed remove from credit report- I reported & disputed that account with Experian as well. I have a total of SEVEN collections and closed accounts that I did not open, give authority to open, have no knowledge about, and companies and credit accounts that I never heard of, did not exist, much less have an account with- I have disputed all those as well with Experian- They wanted me to call for almost all of these issues, but again no one to answer the phone and long wait times ; that is unjust for me and other consumers and especially during this time- The other two major credit bureaus are not requiring people to do such things at this time. So I filed the disputes anyways on Experian 's website. Some are medical and not mine, I'm XXXX and have Medicaid insurance, I'm not sure who the medical bills belong to. Here is the list of the those seven collection reports and closed accounts listed : 1. ) XXXX XXXX Original creditor : XXXX XXXX XXXX -XXXX  {$860.00}, 2. ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1300.00}, 3. ) XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX - XXXX {$330.00}, 4. ) XXXX XXXX Original creditor : XXXX XXXX XXXXL XXXX {$880.00}, 5. ) XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX {$1200.00} 6. ) XXXX XXXX XXXX {$480.00} 7. ) XXXX XXXX {$510.00} I am also a victim to the XXXX  data breach as well. I have attached my disputes with them in the past and they too can not get the information correct ; I currently have another pending dispute with them, but they have failed multiple times getting my information corrected, even when attaching proof with my disputes. I am also going to add XXXX  to my complaint ( s ) as well as they have resolved some of the fraudulent and incorrect information from my dispute from Date Submitted XX/XX/XXXX, Date Completed XX/XX/XXXX. I reopened a new dispute with XXXX a few days ago and was able to upload documents, but when I login to my XXXX account it does not show that new dispute ; as if I never filled it.

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