Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am having problems with security on my credit reports and accounts. I have hackers. I had paid off all debts and my credit score had reach XXXX. All of the sudden I find that there are all these things that are listed on mycredit reports that are " reasons '' that my score goes down. Don't have a Morgage. That is typically not on a reason of weather you have a high score or low score. The reasons they provide do not add up. And someone or someone's went in and made 40 inquires with my credit score, to drive my score down. The credit bureaus are not picking up on this and responding to disputes. 
And on their website, there are reasons for decreased credit score that change. 
After a student loan that I have been working with for years. because the loan would not let me put it on a monthly plan they say pay it off in full or submit it to XXXX. I have been to the omni busman twice. I owe XXXX $ that I am never allowed to pay monthly payments that are within my budget. So, I was waiting until these bullies in my life gets tired of picking on me or asked or told to stop. ( they do not like my ethical values and that my cousin can not break my conscious to own me, basically ), So now the student loan shows up on my credit report, when it had never been on their before. I had paid off every outstanding bill and had {$1000.00}. in saving and got my score to XXXX got approved for a mortgage. And this starts. They even hack the credit buearo reports, they try to use a credit score as your character references, basically and find ways to discriminate against you by not allowing you to buy things and they black listed you from jobs, Yet, I am who they call " the unbreakable conscious '' and ethical health care professional with a XXXX XXXX XXXX from XXXX, in XXXX, and because i will not conform to lying I am shunned, that is who is behind this, they give the jobs to foreigners who are more hungry and pleasing, The critiques of my work and the reference that I have were earned with hard work, These persons hate those values of hard work and ethics. So, they have found ways to get into every one of my accounts and into the credit report and make up " excuses '' as to why my credit score is now lower than it was a year ago. It was XXXX now it is XXXX approximately. My bills are all paid on time. I have minimal credit XXXX XXXX and all paid on time. They go into my credit cards and add finance charges. A XXXX cent over and they charge a XXXX $ over charge amount. And then they charge late fees when the payment was not late. They keep adding the protection fee of XXXX $ when I did not sign up for it. There are companies that do not refund your account, Like XXXX XXXX : said they refunded my card XXXX $ and call the bank if it didn't go on the card. But they will not let you give them the new credit card number. So, if someone could check on the exactness of reasons for my credit score to have decreased since last year and the validity of the rational. I did not request all the inquires and have disputed them and have not received a response. If you look at the reasons for the decrease, it is not consistent with quality of paying bills.

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