Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute fraudulent debts appearing on my credit report. I was a part of several XXXX data breaches and my phone number and personal information was sold to third parties via XXXX XXXX XXXX. Via the monitoring service, I was notified that my information had been sold to the dark web back in XX/XX/XXXX and my information was being used fraudulently, which explained the errors appearing on several accounts reporting to the bureaus. I also was given an anonymous tip from a military contractor, that contractor XXXX XXXX XXXX, XXXX, XXXX XXXX, address : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX has been stalking me for 15 years and sold my information. This is not the first time, back in XXXX, XXXX charged XXXX on my credit cards to bring harm to my independence this person likes control and is a XXXX XXXX. 

Unfortunately, we are in a national security crisis and a lot of criminals are hurting people during this time. Several creditors randomly and without notification, closed accounts see attached credit report. I am a victim of identity theft. Please investigate this Fair Credit Billing issue and correct the fraud as soon as possible. I was unaware and unable to avoid the charge card fraud and now as a XXXX Veteran with children ; I am unable to get stable housing nor obtain a vehicle to drive to my doctors appointments. I have been followed me and my childrens lives are still in danger. My internet services hacked and I had to pay XXXX to provide me with cyberattack services. Phone lines hacked had to pay hundreds to XXXX XXXX XXXX to protect myself and children only to find out later XXXX XXXX XXXX was selling my information without my knowledge to unknown third parties. 

The following accounts were impacted by the fraud. XXXX, XXXX, XXXX. These creditors all of a sudden lowered the credit limits and closed accounts without notification. In addition, the accounts incurred fraudulent charges and were also marked money laundering and fraud. In addition, I filed several reports with the XXXX inspector general as my mail was stolen several times containing credit reports and bank statements. I filed reports with the IRS, FTC, California Attorney General and several other federal agencies notifying them I am a victim of identity theft. Now, I am writing to request that you block the following fraudulent information in my file and conduct an full investigation. 

For example, XXXX XXXX XXXX is reporting a lot of inaccurate information. After I filed a complaint with the Attorney General due to deceptive practices ; XXXX closed the account ; with a date of last activity- XX/XX/XXXX ; and a charge off date of XX/XX/XXXX. However XXXX reported to the bureaus there was still activity throughout XXXX and XXXX who is using the closed, charged off account? For years, XXXX has willfully reported, inaccurate, misleading information and at this point- it needs deletion. 
My information was compromised XX/XX/XXXX, XX/XX/XXXX. I was apart of four data breaches with XXXX which I never was compensated for damages. My information was also hacked via XXXX and my mail was stolen several times to include my XXXX information. I filed reports with the XXXX XXXX XXXX and a report with XXXX XXXX at the IRS as someone tried to take my child credit for my children. I got notification of a data breach with Veteran Affairs as a hacker was trying to get my benefits information and medical data violation of my legal rights. 
XXXX contacted me and told me my account was compromised and sent me a check for damages however the fraud account still appears on my history with the CRAs. 
XXXX sold me a debt protection plan and I spent hundreds of dollars for the plan. After the fraud happened, XXXX closed the account, charged off the account under the debt protection plan, filed an insurance claim, took a tax write off - then sold the account not honoring the debt protection service I paid for.

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