Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
So I am not sure If this is the correct portal to execute this complaint correctly or not, but It's worth a shot. I have also reached out to our President and his administration regarding this complaint. Hello, I am a XXXX mother of XXXX doing this parenting and living thing independently. I want to start by stating that I was not fortunate enough to have a mother or a father to teach me the value and the importance of this credit system. My mother has always lived with this survival mentally to reach out for something better no matter what it took. I was conceived during a conical visit to XXXX XXXX. Unfortunately, my mother was a rebellious young girl in XXXX XXXX that was accompanied by XXXX other brothers and sisters and a mother who probably knew as much as my nine-year-old does about being a parent. My mother 's father, on the other hand, XXXX XXXX  her, as she tells me that drove her into this rebellious type of mentality. At XXXX, she had already conceived XXXX children and XXXX more that would later die at birth, but her partner, my father, is in prison for the murder of a woman, from what I am told. He served a long sentence in person and now walks free. My mother, at XXXX, met a man who would later become my stepfather. He was XXXX. We all know what a man wants at XXXX old with a young and variable young woman of XXXX. My mother took the offer seeing only a better future for herself but never took into consideration the consequences she would later forsee. She was alone in the US with a very controlling and physically abusive man. She managed to the convenience of this man to bring my sister and me over to the USA in hopes that would tame this beast. I never once believed my mother when she told us she did it for us and for a better future for my sister and me. I mean, I would not be writing you this complaint if that were the case now, would it? My sister and I were raised seeing my stepfather physically abuse my mother and her giving us the example of how to be a battered wife. My sister and I bother to suffer from MAJOR XXXX, and my mother has been present at the hospital both times when my system attempted to take her own life at XXXX XXXX XXXX and myself when I did so at XXXX XXXX XXXX. I remember seeing my mother battle her XXXX by resorting to badge spending ; we would spend HOURS and HOURS at department stores while shopping for hundreds and hundreds of dollars, bringing new dresses, clothes, and cars. Oh my god, how much XXXX she managed to buy. To this day, I see this habit in my mother through her debt and spending habits. The only difference now is that her husband is now XXXX XXXX XXXX, and she is XXXX XXXX XXXX. Old enough to be her younger daughter 's age, but she holds him on a high petal stool while her daughters struggle to try to figure out this way of living and finding out the hard way the importance of things like credit and what it does to an individual as a whole. Creditors do not know this story. They do not even know what I look like. They only know me by this XXXX XXXXXXXX number that I don't even begin to amount to. This makes me so mad because I am learning how to walk and to actually be a person ON MY own with no one to back me up. It got very hard to the point of me getting so frustrated after numerous attempts to ask for help from my mother and her rejecting my calls for service to attend to her husband, of course, that I found myself needing to do something or, and my kids would be out in the street. I was afraid I was scared ; I said to myself, ok, my mom won't help well I'll help her help me. It did not turn out well, as you may know, and now I am here. I have taken the time these past few years to take these matters into my own hands and do my best to fix things to make a name for myself and my kids. I've been working so XXXX hard to get this number right. I NEED HELP. I have my credit up to XXXX XXXX, and my XXXX  is XXXX. AND I can't get any credit anywhere I go. I applied knowing that I meet at least minimum requirements, only to be denied over and over and over again. What am I doing wrong?!?!? How do I start to build that relationship I never understood about???? PLEASE HELP ME. This credit system defines who you are and where you stand in this country, and I can not be denied the same opportunity as any other XXXX American my age does. Please, I come to you begging for help in getting me out of this nightmare. I feel I am trapped. My intentions here are to fix my credit and help myself understand the value and priority of this score. I will teach my XXXX kids, and I promise you that you will have some of the most credit-worthy individuals with knowledge of this credit system and BREAK this cycle that no one has wanted to up until it was my turn.

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