Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: FL
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:
To correct and fix my account to the way it was before they had deleted 8 years of history. 

They need to add the 3 missing accounts XXXX/XXXX 7 years of perfect payments paid in full and in good standing & XXXX XXXX 9 months of perfect payment history XXXX limit XXXX balance & XXXX XXXX 1 year and 10 months of good payment status with a XXXX limit XXXX balance Put my score back to the way it was before they deleted everything in my report or recalculate it now that I have more good payment history with 2 other accounts. 

Delete all the hard inquiries in which I was denied credit due to their lack of reporting my 3 accounts correctly due to this I was denied credit with every bank because of LACK OF CREDIT HISTORY. 

XXXX XXXX and XX/XX/XXXX I had disputed a hard Inquiry with XXXX, Because I did not authorize XXXX, I already had a XXXX account opened since XXXX. I made my last payment on that account in XXXX a d they kept that account on my file as paid I full and it showed that I had some sort of credit history, Legally the last date that you pay off a account.It will remain on yojr file as a paid good status account, Which XXXX  had done. Well ... They received the dispute for my fraudulent inquiry and had deleted everything on my XXXX  report which also led to experion and transunion removing the account as well. I never closed the account so it should of remained on my report so I had some history. I also have 2 credit cards which they are not reporting either, It shows that I am deceased. 

I have disputed everything sent them all the information they asked for. I sent them previous reports showing that they in fact did have those accounts as all paid and perfect payment history. I provided them with their own credit reports proving the fact that they deny ever having the account on my report. They say they see no history of anything. I have had to apply for multiple car loans and am still being denied because of their mistake, I have no history. Before this happend XXXX score was XXXX And fico was XXXX it now has a XXXX and states im deceased but they are showing 8 hard inquiries for the car loans. I worked very hard to get my credit where it was and due to XXXX  and the breach they had destroyed everything I had worked for. 

I have been trying to get a car loan With no enquiries on my skin reports before I had started applying I have been refused I every bank or credit Union I have good income my credit scores are all above XXXX and I feel that it is due to the lack of my credit history I had my identity stolen in XXXX and I have had to make many adjustments on my report XXXX  had deleted my entire credit history removing an 8 year Old credit card that had a perfect payment status and a do not report my other 2 credit cards that I have a perfect payment history with and it also shows that I'm deceased I have sent them proof that they reported those credit cards because I save my credit reports and they refuse to fix or add the account 's onto the Credit report again so I only have a year and a 1/2 of good paint history with XXXX XXXX and experience but due to XXXX removing the one account the other credit bureaus did as well Having perfect credit scores having Income perfect payment history I still can not get a car loan. So every credit bureau has about 8 hard inquiries for new credit loan enquiries and I just In Disbelief that XXXX  would do something so irresponsible and cause me to not be able to purchase a decent vehicle Because they screwed up and deleted the wrong information it was originally supposed to be a removeable of a hard inquiry from XXXX which I did not do I had a XXXX credit card for 7 years and they ended up removing the entire XXXX account then it just got worse from there now that report nothing and everything else I had mentioned above I am on the verge of calling XXXX XXXX and suing XXXX due to the distress it is causing me not to be able to purchase something that I know I should have no problem getting do you have any thoughts I have already attempted to supply them with all their information they had used to report just 4 months ago and all the way back to when I 1st opened up the credit card in they were reporting it but they state that they can not find it in their system and I'm even sending them their own credit reports with the information .And I want to add in that I was affected by the data breach

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