Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, My name is XXXX XXXX & I submitted a complaint regarding Experian on XX/XX/2020. The choices arent that cut and dry as I dont and have not only had one issue so it doesnt fall under one drop down category. I am submitting this in addition to my first one because when submitting my first one ( only one until this ) I could not attach all files. I have more to attach but also the choice isnt exactly there. No one has been working on this, getting back to me, all of the issues with one minute it states welcome back next states create an account and pay, next lets me log in through their regular site yet I get notifications from their portal alerting me of things and two solid months have been the most ever and I can not log in to view therefore I havent been able to address one thing. Not one thing and there are legitimate things on my credit report that are fraudulent, never should be there, dates are wrong for reporting, I call and they say they dont know what fast mail is when I reset my password, they said my account was locked and then frozen and I said you need to be able to help me as those are not the same things and placing a freeze has nothing to do with me viewing my credit report and logging in and so much more. 

Every avenue I have taken has hindered me and / or gave me incorrect information. They should not answer these calls of thats the case. Credit is huge and critical especially when trying to get a car and have never had them flat out decline me. Time is of the essence and how is a person suppose to call all day long daily? There is not just one number and sadly ( one of the other reasons Im submitting this addition ) is because they gave me an email address and I took the time to write and write and Ive written so much this is not right or fair to do to a person. This company has a serious issue and what is concerning is that they have been selected to monitor other ones data breaches. I will in fact take that further now that I see this. The general population thinks XXXX  and XXXX  has issues well these people have serious issues especially when they can not tell me what the issue is with my account. I was able to file 3 sentence dispute on my online account and get notified its complete and literally in 2 days but I cant see it and no one will tell me. How can I move forward? I cant. 


Below is my complaint I submitted that I referenced here. Further down I have added more detail and attaching what I couldnt. I have spent more time on screen shots and emails and calls and have put my life on hold and this is not fair. I am getting collection calls suddenly from a place I never have and now its showing on my credit report. I have more things showing as well. Its too much. An email I just got after submitting this to you on XX/XX/2020 ironically gets replied back to me today XX/XX/2020 and the reply is not acceptable. I wrote XXXX two emails explaining why Im contacting them and the reply is pawning me off to the same number. Unreal. What is this email address for then? They need to respect and answer that. I called again because this is serious and my credit does have issues however a lot are not accurate and affecting my score in addition to the comments and being there at all. Are they robots? Im confused? Does XXXX XXXX for example state they are going to correct my incorrect reporting for 7 months and then I read along the lines of resolved after customer or consumer disputes? Those are not the exact words but whatever it is is not accurate so do they just type in what wells in this case writes? I do not know how it works. I do not see how a consumer with a legitimate issue has like 100 letters to write. That is not ever going to tell the situation. I would never do this to myself if this was a problem. Ever. So the choice was problem with credit reporting company investigation wasnt the case but it wasnt any others either. I selected incorrect info like address or fraud but I am not dishonest and no idea if any is fraud. I also forgot ( there is so much its too much to even keep a handle on ) I have perfect payment with my cell which Ive been with XXXX for 23 years, all utility bills etc., when I saw Boost I thought what a great idea and I always thought about how much random and wrong information there is and for example it says I work at XXXX XXXX and XXXX XXXX and those dont even exist or ever have or know what that is and why in the world that would be there so relative a positive information other then credit card, house and car basically are there. I have gone through a horrible horrible two years and I read removing things like that dont make a difference so Im not going to put my energy and efforts there. I would be concerned anyway how it would get fixed and strange comments. Its like I have owned 4 homes and sold them all and never missed a mortgage payment but that solid and serious solid detail falls off and homes are so important and all of my cars payment history have been close to perfect but these last few years. So that Experian boost didnt work. It said free and wasnt free and I sat there and filled out so much information and if not free it was worth it since Im sitting here waiting and people not calling back and debating if a discovercard was being used in one of my very best friends name if pursuing that is worth it. I probably should have long ago. There are things I dont even know what they are. So it stated I needed to create account and I did and for about the XXXX it said I have an account .. same thing happens. It would have been worth paying for but their things dont work and dont appear to be truthful just like the credit report I got that says free with score but it was a short / limited version with no FICO. 

You can see that the boost screen shots i attached were way before I even called the CFPB. I never knew this would pile up like this. There isnt a way that I have been able to get close to a dispute and provide honest details. Just like the XXXX dispute that says resolved but I dont have two cards. I cant dispute anything else either let alone read or log in to important things that are emailed to me from them. 

Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem Im attaching the remaining plus the email I got today.

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