Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: NY
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:
For exactly a year now I've had this Company knowingly & WILLINGLY lie, steal, refuse to report accurately too the extent that I've been systematically made homeless and I have spent everyday week afterweek etc etc calling them emailing them 75X providing bank statements and pics from there own website via my pymnts portal yet they've Refused too tell the truth! I've lost my chance now for the year of XXXX ' to get off SSI SUPPLEMENTAL PYMNTS AND GET A START UP BUSINESS LOAN! AND NO ONE WILL RENT TO ME WITH MY CREDIT PYMNT HISTORY STATING I CANT / DON'T PAY MY BILLS SO IVE BEEN FORCED TOO SLEEP IN MY CAR AND BE PUBLICLY HUMILIATED ALL WHILE XXXX XXXX XXXX XXXX  IN UPSTATE NEW YORK! XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX AND PRESENTLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IM A XXXX AMERICAN WHOSE SUFFERED ONE OF THE WORST CASES OF THEFT BY CREDITOR I KNOW OF AS THEY ARE FULLY AWARE OF MY CIRCUMSTANCES BUT JUST DONT CARE AND LAUGH AT ME OR HANG UP AFTER REPEATEDLY SWITCHING ME FROM ONE MANGER TOO ANOTHER FOR OVER 3-7 HRS A DAY VIA PHONE CALL. IVE FILED DISPUTES WITH THE CREDIT BUREAUS AND THEN THEY MIRACULOUSLY FIND THE PAYMENTS HOWEVER THEY'RE NEVER PAYING ME BACK AS IM FORCED TO REPAY IN AN ATTEMPT TO SAVE WHATS LEFT OF MY CREDIT REPORT RATING & SCORE. THE PICTURES YOURE ABOUT TOO SEE OR HAVE ALREADY ARE FROM THERE OWN WEBSITE YET IM REPEATEDLY TOLD THEY CANT SEE WHAT IM SEEING? YET THEYRE A NATIONAL CREDITOR WITH MILLIONS OF CLIENTS AND AT NO TIME DO I NOR SHOULD ANYONE BELIEVE SUCH LUDICROUS NONSENSE OF COURSE THEY SEE WHAT IM SEEING ITS THERE WEBSITE AND THEY THEMSELVES CONTROL IT ... THEYVE REFUSED TO NOT ONLY PAY ME BACK BUT IRONICALLY THEY WANT THE SAME EXACT AMOUNT THEY WANTED A YEAR AGO XXXX YET I DONT THROW OUT THE PAPER BILLS MAILED TOO ME, CLEARLY BY THERE OWN BILLS IN XXXX OF XXXX ' I HAD NOT ONLY PAID THEM IN FULL BUT ONCE AGAIN OVERPAID THEM AND THEN DURING THE DISPUTE PAID YET AGAIN, AT ONE POINT THEY TURNED A PYMNT OF {$160.00} / ( 1 ) {$100.00} PYMNT ( 1 ) {$60.00} PYMNT INTO A CHARGE ON TOP OF THE BILL?! AND FORCED ME TO REPAY AGAIN! DUE TO THE SEVERITY OF WHAT THEYRE DOING TOO ME IM NOT SURE IF ILL BE ALIVE MUCH LONGER.. I CANT MENTALLY EMOTIONALLY OR PHYSICALLY DESL WIRH THIS ANYMORE! I HAD JUST STARTED MY BUSINESS ON PAPER AND HAD SAVED UP FOR MY XXXX AND WAS SO EXCITED FOR XXXX ( 2021 ) AND HAVING MY COMPANY GOING SO I COULD FINALLY STOP GETTING SSI CHECKS AND FINALLY LEAVE MY DAUGHTERS & GRANDCHILDREN SOMETHING BEHIND ... THEYVE TAKEN EVERYTHING THEY COULD FROM ME.. EVERYTHING!!! I SEE THE WAY PPL LOOK AT ME GETTING OUT OF MY CAR DISHEVELED AND A MESS I DID NOTHING TOO ANYONE IN MY ENTIRE LIFE TOO DESERVE THIS, NOTHING!!! AND THE TRUTH, FACTS ARE? NOT ONLY DID I PAY MY STATEMENT BALANCES IN FULL BUT THEN ON LESS THAN {$800.00} @ MONTH I REPAID THEM I THINK THEYRE SO USED TOO GETTING MONEY FROM ME THAT NOW THEYRE XXXX OFF IM FIGHTING BACK! EXPERIAN IS WORSE AS THEYRE COMPLICITY IN THIS AND ALL THE DISPUTES I FILED NEVER WERE DISPUTES! A GENTLEMAN FROM XXXX LOOKED IT UP AS EXPERIAN HAS BLOCKED ME FROM LOGGING INTO MY APP FOR OVER 5 MONTHS AS I FILED DISPUTE AGAINST THEM FOR NOT DOING ANYTHING AFTER I SENT THEM THE PROOF WEEK AFTER WEEK AFTER WEEK! WHICH IS WHEN I ATTEMPTED XXXX AS WHAT KIND OF LIFE IS THIS IM LEFT WITH NOW? IM FREEZING STARVING CANT BATHE THIS IS MY COUNTRY! IM AN AMERICAN! I DID EVERYTHING RIGHT OR SO I THOUGHT! IVE NO CRIMINAL RECORD IVE NO PARKING TICKETS FOR CHRIST SAKE! NOTHING!!! IM AN XXXX XXXX WHO XXXX XXXXXXXX XXXX AND XXXX XXXX XXXX  TO DO SO WHO WAS IN XXXX RIGHT BEFORE LOCKDOWN XXXX XXXX XXXXXXXX FOR FREE THROUGH THE XXXX AND XXXX XXXX XXXX ! WHICH CAN BE PROVED BECAUSE OBVIOUSLY MY PASSPORT HAS THAT INFORMATION ON IT. I LIVE IN UPSTATE NEW YORK AND WHAT SHOUKDVE BEEN THE BEST YEAR OF MY LIFE @ XXXX HAS BEEN THE NOT ONLY THE WORST BUT PROBABLY NOW MY LAST ... IM TIRED AND SO COLD... I JUST WANT TO HO HOME... PLEASE MAKE THEM STOP NOW... PLEASE... I JUST WANT TO GO HOME ....

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