Consumer complaint received 2015-06-04
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian is the company I am trying to dispute an inaccurate score with. I am unable to speak with anyone, as well, when I use their site to file a complaint, the info does not go through. Excuses keep occurring. Last year my score was over XXXX, this year a week ago my score is XXXX XXXX XXXX XXXX XXXX XXXX, my ceiling was raised to {$500.00} unsecured from {$200.00} secured credit card ending in XXXX. I had to change the card I believe on XXXX occasions due to a XXXX stealing my debit card and committing a felony against me by using my card at an ATM in XXXX, as well, they could not arrest her for less than a felony amount due to the XXXX gas station not having cameras, where she filled her gas tank in XXXX XXXX. I changed out both of my cards at that time, XXXX to be safe. I had to file bankruptcy in XXXX, due to ID theft in XXXX in XXXX. via computer. Someone changed my password and my secret question and e-mailed my entire contact list of people on a XXXX acct., some of which were my clients, when I owned a business, XXXX XXXX. The name of the company is " XXXX, XXXX, XXXX XXXX. I had to go to the Atty. Generals office to file with them so I would not get sued by any of my contacts, or embarrassed. The e-mails said I was stuck in XXXX and needed {$2000.00} to get home. Upon all the 6 months of work myself with the XXXX reporting credit companies, not XXXX of them offered to look at a camera of XXXX of the places that false credit cards were being developed and used, and there were different addresses that the credit cards were going to with my name being abused to be identity thefted as well as false SS # 's, as well as false phone numbers. I still did not get back my contact list from XXXX, even with the Atty. General 's office help. Recently upon checking the XXXX credit companies, included were incorrect phone numbers that I never owned as well as addresses, and I was ID thefted in XXXX when someone used my SS # to do their taxes with. The man that did my taxes was from XXXX, XXXX XXXX, phone number ( XXXX ) XXXX. I am XXXX and on a fixed income, there is no way that my score went from over XXXX to XXXX which is what Experian is claiming. I called the XXXX XXXX XXXX and asked them to go over my activity since I had a debit card in XXXX, as well as 2 years ago, a secured credit card then it became unsecured a year ago. I am trying to build my credit into the XXXX, I want to know how Experian came up with the low score of XXXX. This is a steep decline with no reason at all. 
1. Experian is claiming I have 'too few accounts currently being paid as agreed. ' I have never had accounts open since before XXXX with XXXX banks that I paid off the over drawn accounts due to an employee stealing my cards to use for himself rather than for the company supplies. The names of the banks are as follows ; 1. XXXX XXXX Paid in full XXXX, 2. XXXX XXXX paid in full XXXX, 3. XXXX XXXX Paid in full XXXX. All were in XXXX XXXX, XXXX. Currently every month I have a " XXXX " balance with proof from XXXX XXXX XXXX on my credit card. 
2. Experian is claiming I have 'lack of recent loan installment ' which I have never had a loan installment since before XXXX XXXX XXXX XXXX which is paid in full. 3. Experian is claiming 'no recent revolving balances ' as I stated as well as the XXXX XXXX XXXX states, I have perfect activity since I have opened an account in XXXX. 
4. Experian is claiming 'serious delinquency, and public record or collection filed, ' I filed bankruptcy due to ID theft in XXXX in XXXX . XXXX XXXX helped with this matter. The Attorney General is XXXX XXXX. 
XXXX XXXX, MO. XXXX. My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation