Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe and know for a fact the information in my consumer file that I learned was created and been used by the bank account screening CRAs which is being reported from a direct result from Identity theft and fraud. I believe the debt was incurred In my name and reported by an identity thief who has been mixing my personal information to apply and open accounts that have caused me to loose all my deposits I have ever deposit in to the banks who closed my accounts but Never have yet to return my deposits to me, they the account thieves then report erroneously inaccurately reporting this information even after I verify my identity, send supporting documents, they still end up reporting the same information that other CRAs verified and said they would block and not report that information with my consumer file. However although proven in XXXX, this information is still being reported as if I am a debtor not a user, like I owe a debt I truly do not owe and is a direct result of identity theft and fraud I have been experiencing for years now to XXXX XXXX the reporting of this inaccurate information and opening up of these type of fraudulent accounts are having negative affects in my everyday experiences to XXXX XXXX I can not even pay for food because not being able to get the proper account to make payments or have full functioning sufficient bank account to access funds requested for payment is a direct result of what is being erroneously and falsely reported then being as accurate information and mixed with my consumer file Experian, XXXX, XXXX, XXXX XXXX seems to all have the similar information being reported now, yet in XXXX XXXX XXXX XXXX had no consumer file and even as of today XXXX has no records, new or old, no new inquiries etc. every time I dispute it with Experian from XXXX when I first found out I was a true victim of fraud and identity theft, up to today, when I call, Experian representatives would ask me for the Experian account information to verify my identity to help wprocess of the dispute. they would ask me for my full name, pin # even try to get my ssn # to verify my account, although I tell them that every time I secure the consumer file, dispute the information, give them the information to show the fraud and I ask them to block or remove the information, they say that they will contact the so called creditors who on my file are some of the thieves I believe, yet they at Experian send whatever they send yet I noticed today after they try to change my information on the consumer file first, that I already verified as accurate or inaccurate. The inaccurate information I became aware today they are responsible for screenings and reports being reported that are mixing negative information and attaching it to my consumer file that I got access to after finding out I was a victim of fraud and identity theft. I have requested this these accounts and information being erroneously reported on the consumer is a direct result of accounts being opened by business individual yet using my social security number to apply for accounts, credit, among other things like keeping my bank deposits and money and cash balances due to me yet I never receive and continue to go without because of this information being un fairly reported as accurate is not being blocked or no longer reported with my consumer file. which causes decline or denial, or confusion as to my identity, therefore leaving me to go without being able to pay for buying things for my children and I use and needs for everyday use, my benefits, deposits I have yet to be returned to me after the bank account and financial accounts my deposits were held in were closed. it appears because of the negative information being reported based off fraud keeps being reported on my consumer file and being reported as accurate when it is not. since banks get their screening information from these consumer reporting bureaus CRAs, the CRAs keeps reporting instead of blocking this. It is blocking me out of my money for use and spending and getting the proper bank accounts that would support me making payments large, retail, bank accounts, debit cards. prepaid cards, for bills, goods, services, etc. nothing works. in fact with this inaccurate negative information still being reported and not blocked or removed, any bank account of payment transaction I do will appear to decline, or be insufficient, or even appear to overdraft although my transaction should never decline as I verified this much. however that is exactly what is happening and been. It has gotten so bad that I now can't even pay for food, and have even a local dss who distributed my food benefits at least, now trying to scam me by threatening me to provide them with false or inaccurate information that they know I would not be able to provide just so they can deny me or fraud me. so now they are holding my snap benefits if I don't do what they asking of me even though they are aware of the fraud they ignore it and rather report inaccurate information. That is a example how I and my children keep getting our assets, money, cash, cash equivalents, liquid accounts and assets in them stolen. By bank screening, CRAs allowing the thieves to open up consumer accounts in my likeness and furnish false information to appear accurate that report negative information for me to look bad so that they may gain access to my account, make fake reports of false debt, order collections or fake garnishments is my guess is how far these erroneous reports have been helping the thieves reporting what has been causing me to loose everything and waste time, make numerous reports, ask for protection, and still no resolve to me and my children so that we can pay for demands, cost, price, food, clothes, property for our use and enjoyment is the best I can describe what has been happening and what position I and my children are in. Barley can eat which is unacceptable and should not be happening as I have verified with many federal, state, local, special, businesses, agencies, bureaus, etc. I am asking for the negative information, inquires, all results from fraudulent accounts being opened with some of my personal information falsely identifying me as a debtor of those account when I had no knowledge of those accounts being opened and. credit being applied for in my name and bills created in my name that I was scammed with. I am asking that this information be blocked or not reported on my consumer file anymore than it already has. I am also requesting immediate relief in payment or compensation, restitution or whatever is called so that I can open the right money payment bank account to make proper payments, my transactions should never decline because my true account connected to the banks, payment processors, money networks etc should always be able to proper fund transactions for everyday use or everyday payments. Can you please help me with my banks that I have made deposits that are closed yet I have seem to have not receive a closure check of my cash deposits after I have deposited into the banks. However this false information associated with banks and some of my personally identifying information keeps being merged with fraudulent accounts that I was able to get fraud from and become a true victim of fraud and identity theft. This is overwhelming still with no resolve only worse off for my children and I because no body I report or complain to is doing anything to stop this from happening to XXXX XXXX now I can not meet my goals to even feed myself and my children properly, have a safe secure place to live, among clothing for the season, automobile we need to travel to and fro where we need to go among many other day to day activities we are being denied and deprived to appear under banked, not banked, no way to make payments because of this is unfair. I am reporting it to the places I keep being g referred to including this XXXX mainly yet I am at risk for all this happening to me and for years apparently ... who can correct this at this bureau

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