Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Thank you for taking my complaint ; this report cover many related issues but in the end it involves the credit reporting agencies which wrongfully allow these events to occur, continue and not resolve the same. So much so that I decided to place a credit freeze to preclude further inquiries and decline. 

Only XXXX IMMEDIATELY placed the FREEZE on on my credit report. XXXX ( from whom my credit was compromised on the dark web ) and EXPERIAN refused and stipulated that I had to write them and provide the same information which is already true and correct on my credit report. Inclusive of real ID information Name, Address, DOB,  Social Security #, etc. This in contrast to the law as reported on the CFPB website with regard to CREDIT FREEZES! This allows the unauthorized credit inquires to continue and plummeted my XXXX ( XX/XX/2019 ) 98 points to XXXX because of the incessant credit inquires. 

My scores vary because of my Student Loan debt, which was equally shattered by the Dept Of Education 's attempt to force every student from loan forgiveness ( Loan Deferment ) into a paying status - knocking student out of school and creating the impression that their loans were now due, payable, in arrears and as a result in collections. This to an entity which lost both its Federal case and Appeal and where the agency Secretary was deemed, 'in contempt of a Court 's order'.. 

To combat those 'derogatories ', I signed for a signature loan based on my credit score,  then employment and income. Thus, I opted to apply to a single credit application to an online firm 'We Fix XXXX '', who stipulated 'loans of a given amount based on scores and income ' '' That company then 'shot-gun ' my credible credit score to  hundreds of alleged lenders. To this moment, I continually receive emails CONGRATULATIONS YOU ARE APPROVED, yet they seem more like a SCAM AND CAN NOT BE VETTED! These are little more that PHISHING SCAMS and these firms continually request information, ( mis ) associate, and This adverse action is the direct result of numerous employers who made 'Contingent Offers of Employment ' predicated on credit and background checks. These are major employers, etc - all of whom I have scored very high on their application and interview processes, coupled with an excellent background, credentials, education and experience - Only to have my employ DENIED because of a low credit score, multiple inquiries, false and misleading information ( which I challenged in XX/XX/XXXX/XX/XX/XXXX ). Thus, not only are these allege 'background checks ' problematic as they phish and clear sell information etc - But, their inquires are injurious to employment screenings showing 'low scores '. As a result, I have lost several jobs ( 6-8 ) each alleging credit scores etc. 

As a result, this substantive violation of both State and Federal laws, by both Employers,  their 'screening agents ' and the credit reporting bureaus must stop. It continues only because these folks feel that 'justice is afar off '. I even challenged several of them with the law ( s ), cutting and pasting the same from the web etc and they just tried to play it off. They feel as though they are 'immune ' as they are an agent of the employer, etc.

And while EMPLOYERS may coerce you into signing their BACKGROUND CHECK REQUESTS for positions which such 'investigations ' are not pertinent to the job offered - A background check on a Bus Driver with a 10 year Clear Driving Record and Clear Drug and Alcohol screen and no violations reported to DOT for accidents or failed drug tests, etc? 

For the immediate future, I want an IMMEDIATE FREEZE on all of my credit reports. I don't know how I will be able to overcome this 'three-way battle ' between the credit bureaus, employer background checks and egregious and erroneous credit inquiries and reporting. 

Please advise further,

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