Consumer complaint received 2016-08-25
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In XX/XX/XXXX, My XX/XX/XXXX husband & I seperated, moved appart started seperating financial accounts from each other and a business. I discovered in XX/XX/XXXX I had a severe identity theft problem when I went to get a cell phone in my very own name. I was upset but immediately I hired an attorney ( XXXX ), the police notified, credit companies & all essential envolved received certified notorized affidavits from the attorney and I. Micro managing my credit report made me aware of several unabused joint accounts I needed to take care of. Because of my credits condition, my attorney strongly advised me to file bankruptsy! We hire attorneys for direction. LISTEN TO YOUR ATTORNEY. He told me that people that file bankruptsy after an identy theft can bounce back in three to five years. I legitimately pay my debt and set an example. Bankruptsy clears everything except secured credit. Why I had a conscious ( I did n't want to stick, family doctors, the bank officer helped w personal loan ). It 's XXXX & I am still being punished from the identity theft that started in XX/XX/XXXX. Is it possible to get Laws created to regulated Entities that post to individual credit accounts. How can I go about starting the movement to get something started. TODAY, OUR CREDIT AFFECTS EVERYTHING! Credit reporters have too much power. I have several errors on my reports, excellent examles of years of abuse ( FYI, never arrested, received of any kind of ticket, XXXX ) I told that because this story is ridiculous ) XXXX XX/XX/XXXX serious credit theft for almost XXXX reported on my report by Target, was said to be charged within a couple of days. At the time, I had no idea what was XXXX. XXXX were not in this area. I finally had a conversation with the collections Manager. I told him if he found a credit card application signed by me I will pay the bill. XXXX never produced anything, therefore they never had anything for the credit companies that continue to this day to haunt me with this. I make the same applicable offer to the other companies that have XXXX back up forward. My attorney expained to me that the big offenders received Judgements that are granted if the accused party does not appear in court. My notifications were mailed to an old address so I missed the court date. I did n't do anything about what happened because I did n't realize it was a new direction to my road to credit XXXX. The judgements that posted my credit reports, tanked my credit, one company took XXXX out of my son 's account in error, when I threatened them to return the money I was told to take them to court and these judgements immortilized these debts. So now, here we are today, I had just decided to wait the 10 years. Eventually it 's going to have to be removed. RIGHT? OH NO! Now it states on my credit that they were able to repost these debits until XX/XX/XXXX because I started an investigation. That is just not true.THE BIG POINT. IT 'S ABUSE! All kinds of entities have basically unlimited unregulated power to post and now repost just about anything to our credit reports. If an error is discovered a month, years ... Entities can take all the time to correct the problem, the correction does not have to include a confession, detail explaination, compensation for the time your credit score was negatively affected or detailed apology ... no consequences! 
How do I get help with my report? Is it possible to start a group to get laws or regulations for this abuse? By the way I am XXXX. This is why I often need help. I was advised not to send my reports in the computer to people I 'm not sure I really know. My number is 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 non-monetary relief