Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PAST HISTORY : In XXXX, I borrowed a {$6800.00} loan from XXXX XXXX to pay for private tutoring for my ( then ) high-school age son to prepare for SAT XXXX entrance tests. His lessons concluded successfully in XX/XX/XXXX. I made payments for about a year. However, due to a XXXX disabling work injury, in which I was unexpectedly poorly compensated ( $ XXXX ) in a XXXX settlement, I eventually became unable to continue with the loan payments. A company representative from XXXX XXXX phoned with a threat : either I pay the loan or they would change the private loan to a student loan and block me from ever attending school again. Another phone call was made about XXXX years ago with the exact same threat. 

CURRENT ACTIVITY : Two months ago, in XX/XX/XXXX, I was accepted into a Doctoral program at a major university back XXXX. I signed up for a XXXX XXXX student loan in XXXX, but was denied due to adverse credit. XXXX XXXX ( now renamed XXXX ) had followed up on their threat. On XXXX, a student loan for {$8000.00} ( appr ) was fraudulently posted from this XXXX XXXX XXXX debt ( which would have been charged off ). Also, this company accessed all three credit reporting bureaus ( i.e., XXXX, Experian, XXXX ) with XXXX false charges with arbitrary amounts ( e.g., {$200.00}, {$300.00}, etc. ), as having been recently made within the past two years -- now all being more than 120 days old. As a result, my credit rating plummeted XXXX to XXXX points on all three credit reporting bureaus. I made a complain with Experian ; they contacted the company to no avail. I was instructed to contact the FCC with a complaint. However, my complaint ( w/ the complaint number and all relevant information was immediately erased ). Someone has been hacking my telephone and computer records continually. I have found that no private information is ever safe anywhere ( e.g., even while readying this complaint this am on my laptop, I watched my desktop computer suddenly shut off partially, showing a prompt that photos were being accessed -- without my permission ). 

DOCUMENTATION : Consumers are instructed to keep financial data for up to XXXX years. Therefore, most people would not have any proof against this type of activity from 17 years ago. However, I am enclosing documents that show proof of loan amount from a screenshot from my online account and signed information for the private tutoring ; this was not a student loan for myself, but a private loan for my son. It should be stated that he went on to not only earn two XXXX degrees, but, also, just graduated from seminary last month. 

BRAZEN CORPORATE BEHAVIOR AGAINST CONSUMERS : As a XXXX Christian-Jewish woman who has been on a federal XXXX for two decades ( i.e., post-surgical Bilateral XXXX XXXX XXXX w/ complications, e.g., XXXX ), I am now fighting for my basic survival. XXXX XXXX 's illegal activity has now pushed my finances on the brink to force me into immediate homelessness, next month. Although I went through vocational rehabilitation w/ the State of California XXXX who allowed me to earn my advanced degrees, e.g., I, too, graduated from XXXX last year with my M.DIV. degree. Yet, the prospect of gaining employment in a post-COVID world is very slim. After years of XXXX, XXXX XXXX XXXX XXXX XXXX  wearing XXXX XXXX, learning how to utilize voice activation software, having XXXX transportation, I did well to complete XXXX. degrees, publish a book on XXXX, and was prepared to launch an online ministry. However, the pandemic blocked me from returning to employment to earn income for advertisement/promotions. Then, all ( XXXX ) Pandemic-related benefits for us, " XXXX '' or independent writer/publishers abruptly ended in XX/XX/XXXX, right before I could advertise my XXXX novel or launch my online ministry/business. Now, two months ago, in XXXX, my CA XXXX XXXX XXXX benefit ended. The second and last payment is due in the mail anytime. Yet, I am now three months in arrears ; and state eviction protections ends on XX/XX/XXXX. Therefore, I was quite pleased to have received an Financial Aid Awards Letter on XX/XX/XXXX from the university showing that I had been granted a {$8600.00} Graduate PLUS student loan and a XXXX XXXX loan for {$26.00} for my summer semester classes that begin on XX/XX/XXXX, which I immediately accepted. I also applied for a XXXX scholarship with results pending until XXXX, next month. Yet, due to XXXX XXXX XXXX illegal actions, the university abruptly cancelled my XXXX XXXX letter. Now, the ONLY financial aid I have is for a meager {$26.00}. Yet, I already owe more than {$3000.00} in tuition for the summer semester. Both of the threatening XXXX XXXX representatives were brazen in their boasts that I would not be able to do anything about their illegal activities. The company would succeed in absolutely ruining my life, and I would have no recourse. Thus, now, I can not take out a business loan, buy property, rent a property, buy a car, go to school, open a department store account, buy goods or services online, etc. My credit rating is in the " poor '' category. Yet, before, with my previous XXXX rating, I would have qualified for a FHA home loan ( which requires XXXX plus ). 

MORE EXAMPLES OF BRAZEN BEHAVIOR AGAINST AMERICANS : I have seen such brazen and illegal activity repeatedly in my life : e.g., in my XXXX Workers Compensation ( XXXX ) case, the defense lawyer laughed in my face and my lawyer 's face at the XXXX XXXX XXXX, saying that they knew I had been hurt at my job, but they would get away with not having to pay. He had just come from the federal courtroom, where he had just promised the judge that they would pay that very day. I had already been made to wait almost a year for any XXXX payments and was in dire straits ( e.g., I also was made to wait three years for Social Security benefits and XXXX XXXX which was a completely unprecedented waiting period ). Yet, I had just proven with documentation submitted to/by my California assemblyman representative that test results were being changed, doctor records deleted, and other fraudulent activity occurring to destroy my XXXX case. ). 

Another example of fraud occurred, which resulted in the majority of my XXXX XXXX being wrongfully taken by a federal judge in XXXX, who instructed my former husband how to do so -- XXXX years after our marriage was over. The awarded amount was approximately $ XXXX ; I received $ XXXX. My lawyer said XXXX and XXXX had no choice, but to pay him. During our marriage dissolution case in XXXX, the same judge allowed him to fraudulently report a $ XXXX annual income, when his earnings were actually in the XXXX figure range. As a result, I was only given {$75.00} every XXXX weeks ( or $ XXXX ) in alimony to this day. My former husband also was later allowed to wrongfully seize all proceeds of our home sale, and instructed by the judge how to take my portion of his pension ( although I stayed home to raise our children at his request ) ; my future social security pension at age XXXX from his account, and my XXXX portion of his pension ( he retired about three years ago ). Yet, sadly, in XXXX, my children and I had previously been ordered by XXXX XXXX XXXX, into an emergency homeless shelter for XXXX months because of his activities. I had to go to court to fight for the right to have XXXX hours to collect our possessions. 

Also, I was severely injured with a neck/back whiplash in XXXX, XXXX weeks before my M.A. graduation. A XXXX man waited in his car on the opposite side of XXXX XXXX with no parked cars to impede his view. When he saw me, while laughing, he immediately drove straight out into XXXX XXXX, into my vehicle at about XXXX to XXXX mph, without braking or turning the vehicle. No lawyer would take the case. A deputy district attorney even told me 'not to go there ' in describing what had happened ; in other words, I did not even have a right to expose his potentially-deadly crime. Yet, my car with only {$4500.00} worth of damages was only compensated with {$1800.00} ; my injuries were compensated for only {$500.00}. I had to pay all of my own medical expenses, tests, etc., when the case was clearly acknowledged as solely being 'at fault ' with the other driver. Other people are given huge settlements in such cases. 

It would frighten any federal representative reading this complaint, if I were to describe the type and numbers of unimaginable hate crimes being perpetuated continually in this country against my person, possessions, records, finances, etc. I have included these extra details because they are directly related to a seemingly-ORGANIZED ongoing pattern. My former husband fought this, too, during our marriage, and finally gave in. Nevertheless, we have an amiable relationship for the sake of our children. 

I have always reported these problems to every level of government possible, e.g., XXXX XXXX XXXX, FBI, Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Department of Consumer Affairs XXXX XXXX XXXX in California, etc. 

The results are always the same : all cases are always summarily dismissed, evidence is thrown out from doctors, political representatives, etc., and these brazen activities, with their detrimental effect against my life, are allowed to stand. 

Thankfully, against all of the odds lined up against us, my son and daughter, under my tutelage did quite well ; my schoolteacher daughter earned MA and XXXX XXXX in XXXX XXXXl ; my son earned his XXXX  and is about to be married. Our faith in our Savior and L-RD Jesus stands as a testament to His faithfulness.

CONCLUSION : I really do not wish to lose my townhouse apartment with all of my possessions regained from the past 25 years, next month. Is my entire family really supposed to witness the soon financial destruction of their mother, a Jewish-American citizen who raised them well -- all because those who act illegally and brazenly, are ALWAYS allowed to do so freely, and, so well -- that they have absolutely no concern of any repercussions or prosecution. Another name for when this occurs is " corruption, '' a concept which is usually considered indicative of foreign governments. 

Therefore, this complaint represents XXXX more determined attempt to have my grievances addressed. Summer school starts on XX/XX/XXXX. I will have to cancel my classes in XXXX days, if the XXXX does not act on my appeal. Any/all federal student aid will be lost, consequently. Yet, I really do not need an delinquent student bill. 

Last week, studentaid.gov representatives only phoned twice at inopportune hours ( e.g., XXXX, XXXX ), and my phone did not ring. Therefore, I made XXXX more phone calls with representatives requesting agent calls on my behalf, over the past XXXX business days. Yet, the normal follow-up phone calls were not made. 

However, I was only asking for an email address, so that I could follow the website 's instructions to document my description of the adverse situation. XXXX XXXX ( or XXXX ) is one of their largest loan providers at XXXX. Therefore, this refusal to receive my documents may be a sociopolitically or financially-motivated decision. Yet, they were bailed out in the billions of dollars by the federal government back during the XXXX recession, when their corporation experienced the inability to pay their debts. So, is this really a right response to an American citizen, such as myself, facing a personal debts, after repeatedly being deprived of rightful resolutions to my financial situation? 

So, here is one last comment. I did not mention that I am a XXXX XXXX. Consequently, how much does XXXX AND XXXX play into all of these incidents, as a major factor? 

Yet, as a religious woman, I believe that, we, must have enduring civil rights and legal rights in this country. Being a XXXX XXXXXXXX should mean that we have the right to live and thrive here in our own country, doesn't it? 

-- -- -- -- -- -- -- -- - WHAT WOULD BE A FAIR RESOLUTION? 
My ongoing fight against unjust situations, as described in my FTC complaint, has resulted in occasional challenges to my credit file. However, according to the criteria issued by the XXXX office, only XXXX XXXX 's actions resulted in the adverse credit denial of my XXXX XXXX loan. 

Therefore, a fair resolution to my FTC complaint is for XXXX XXXX ( aka XXXX ) to immediately make the following actions : ( XXXX ) Immediately remove all of the false charges ( approximately XXXX of varying arbitary amounts ) which were fraudulent posted onto the three major credit bureaus, i.e., Experian, XXXX, XXXX. 

( XXXX ) XXXX the XXXX website to fully remove the private loan from my financial records. ( Note : Two weeks ago, I found the loan posted, showing approx. {$8000.00} owed. Then, the dollar amount was replaced with the words " N/A '' ; however, the negative report still remains under the corporation 's name. 

( 3 ) Allow me the right to live, i.e., to return to school, continue my life, and have the finances I need to pay for my household expenses. By doing so, I will be able to immediately utilize my XXXX benefits to pay for advertising of my book and launch my religious ministry/business. My book was highly rated by scientifically-based market studies in XXXX, as having the ability to become a bestseller. My online business would also do well in my specialized religious teaching ministry. Therefore, I would be able to pay off the entire loan, if not immediately, then, a reasonable payment schedule could be arranged ( e.g., appr. $ XXXX ). 

( XXXX ) Issue a letter of apology to my school and myself for the unimaginable emotional distress inflicted by their fraudulent activity and the loss of my academic-religious reputation, by falsely being made to appear financially irresponsible, right before beginning doctoral studies.

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