Consumer complaint received 2020-03-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi, this is not a duplicate, its the third one which all go together because its gotten worse since my first dispute / complaint and this is my life / my report / my information and affecting my ability to get a car lease as Ive written about and I will not have a vehicle in less then two weeks and Ive been trying to work on this with you and who they pulled the credit from and you, Experian claim all you claim to help and your philosophy as I sat and read your website and why should I have to do this? I will be contacting further exec leadership since you clearly dont want to acknowledge and take ownership and not sure why you even have these avenues that say you have for consumers for help but they arent true as Ive tried them all plus more. This is added because I was not able to include in my first complaint or second complaint because it didnt happen until after those but relates to all of my complaints that are valid and factual. Perhaps some of the attached come from XXXX XXXX, XXXX  XXXX etc., and not Experian but when a person is at a loss and can not interact with you Im going to send you items I have at least been able to and things that are items that need to be removed / disputed. Additionally, I had no problem logging in to XXXX  until Friday. Makes no sense, maybe you had something to do with it? I am clueless about the three of you interacting, I mean that sincerely, its just a little strange how suddenly that happens. Maybe has to do with the data breach that is in progress? Im a part of that and perhaps thats why, I would like to know that as well. The bottom line is I need to resolve the most important items impacting me negatively. If I wasnt in the situation with my lease and therefore will not have a car truly, they are the only ones that I have a seriously long history with and the longest. This is too much and especially when I am XXXX, I have not been officially diagnosed but I have had a serious health related issue  with my left side for over 3 years  and my XXXX XXXX and have spent over 15K in medical  bills ( so many XXXX  its not even worth getting in to ), all I can do at this time is have XXXX  XXXX XXXX and wait to find some specialists but the bottom line is being in XXXX  XXXX XXXX   day in and day out and XXXX  XXXX  XXXX XXXX XXXX XXXX and no XXXX  can identify something that is a disease or something to call it or anything but some areas that I need to get some help with along with XXXX  daily and last two years over 10K in vet bills and put my dog down XX/XX/2019 and havent even recovered from that it was pure  devastation and the circumstances that went along with it and my best friend in the entire world and was XXXX  and made it that long because I did all I could and more and made sure daily he was as perfect as he could he could be. I didnt keep him alive and shouldnt have, I probably made the wrong decision by doing what I did and he prob could have been with me 6 more months so you know what? Me, him, living at an XXXX  that is so expensive and charting his medications and getting him to the point where I could take him off two pills because I need to him to grow his XXXX back up but the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and needed to be monitored and if I wasnt home daily for the last two years while my mother moved in with me who stopped driving has XXXX and just got diagnosed  with XXXX XXXX my mind was so many places its so hard to wrap my head around my life. I didnt touch my credit reports I didnt open up accounts, I knew my car was coming up and I knew my mortgage was an issue and then all of this..I need this to he rectified and need you again to somehow assist with my credit application being denied. I could never do this at this time if it wasnt for my car lease ever. I can XXXX XXXX XXXX  XXXX XXXX and write and write is next to impossible and brings tears to my eyes its that XXXX. I cancelled my next month of XXXX seriously and need it desperately and cancelled a few XXXX XXXX and a XXXX XXXX because this is suddenly my focus and its too much and Im sorry but Im trying to put in your minds and explain why I would ever do this. I wont even be able to drive my mother to her XXXX or Dr. appts. This is sad. XXXX all have problems and I feel bad and have worse and Im not oblious to that. 


XXXX XXXX XXXX did a hard inquiry and I called them and said they need to remove that and they called back from their credit disputes department and I missed the call and now have called them 6 times and they arent calling back. They were below my credit info on XXXX XXXX or XXXX  XXXX I truly cant keep track anymore but have screen shots but it said pre approved for a XXXX loan and I never applied for that! The last thing I would do. As you can see they emailed to follow up because I clicked on it and wanted to see what it meant by I was preapproved because I am leaving horrified of one thing that would maybe be on my credit report and therefore do you think I went to make an appt? Went there? Brought all the items it says needed to apply? Of course not and they ran my credit and a hard inquiry days ago. I cant dispute it with you though. Trust me I take my credit anc responsibilities in to my own hands clearly but you are also part of the solution and need to be. I would even like to know if this was fraudulent for them to do. It seems as though it would be. 

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 explanation