Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A victim of both the XXXX and XXXX XXXX breach ; having had to forcibly move due to new ownership/XXXX conversion of XXXX XXXX started to go over my credit report in XX/XX/XXXX and noticed a huge discrepancy/theft-opening of cc accounts I had no knowledge of that eventually were maxed out and some sold/transferred to collections or charged off as delinquent and a long list of hard inquiries I was not aware of. Due to this after I couldnt find a rental due to the theft having a detrimental impact on my score therefore no landlord rented to me because of the theft after an explanation of the theft still A victim of XXXX and XXXX XXXX breach ; having had to forcibly move due to new ownershipXXXX  conversion of my rental, started to go over my credit report in XX/XX/XXXX and noticed a huge discrepancy/theft-opening of cc accounts I had no knowledge of that eventually were maxed out and some sold/transferred to collections or charged off as delinquent and a long list of hard inquiries I was not aware of. Due to this after I couldnt find a rental due to the theft having a detrimental impact on my score therefore no landlord rented to me because of the theft after an explanation of the theft still rejected for a home, long story short as I was on a time crunch to leave the home I ended up accepting that I would not find a home with this fraud on my report/landlords assuming I was an irresponsible borrower, etc so I put my belongings into a XXXX  in XXXX, still being stored due to no rental application approved due to this horrific theft and now I am XXXX That said I got to finally submit my theft affidavit w the FTC and included that w proof of Id and FCRA law and each credit report to each particular credit bureau ( XXXX XXXX, XXXX, Experian ) circles all incorrect reporting on my report by each of the companies and any documents I had to show my victimization of the two breaches ( both XXXX and XXXX XXXX ) and the confirmation numbers from the two breachs settlements I filed with them as a victim and having been notified of only XXXX XXXX via mail and XXXX thru research of my own. I did all the recovery steps the FTC recommended I do. I have all names and dates and times of day I called each of the 3 bureaus and each of the agencies that report the theft data to these bureaus after only some of the theft was removed by some of the XXXX. As such, all representatives I talked to that are reporting the theft ( furnishers ) are confirming that the accounts are closed but are being reported by the XXXX agencies. I filed my FTC on XX/XX/XXXX, all disputes are finished as far as I can tell. However, even w docs telling me accounts have been deleted the furnishers and reporting agencies are still reporting the theft!!!!!! Its been a very expensive and tedious process to get my identity and my real credit accuracy as per my right. I have been disregarded as frivolous meanwhile I am sitting here XXXX and paying hundreds to keep checking updates of my scores to find out what is still remaining as I have only been notified by calling myself to get info and then that gives me the ridiculous runaround I have no choice but to pay more money for the updates to see where I stand so I can find a place to live. Please have the EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ALL HARD INQUIRIES AND REMAINING COLLECTION ( XXXX out of XXXX have been closed as far as I know? Not able to see disputes from FTC theft packages I sent as per FTC recovery steps so I am not able to know what remains and what doesnt. This is ridiculous and appalling that I am a victim of their negligence and Im called frivolous when I dispute my right to have this monstrosity corrected because, in fact, THEY were so frivolous with my most personal and private information! Im so tired of doing my part and going thru all the hours/days/weeks of getting my docs in order for the bureaus only to have them not complete my requests on ALL THEFT I SO CLEARLY PROVIDED IN MY CREDIT REPORT CIRCLING ALL INCORRECT ACCOUNTS ETC THAT CONTINUE TO THIS DAY AFTER ( certified mailed the packets FTC advised me to do so I am aware the bureaus received my docs between XXXX ) and I still XXXX XXXX XXXX XXXX XXXX  with poor credit scores because they cant do their job as required by LAW! So let me do more work and have to now file a complaint w you all because of their laziness and frivolousness with my lifeline so to speak! XXXX XXXX XXXX XXXX XXXX XXXX  and have my mail being sent to a friend, please be advised I am not asking now I am insisting that these agencies do their job and get ALL the negative information on my credit reports from all three bureaus removed, blocked, corrected. This is not only against the law, I have done my part and sent the necessary documents for my case and most have been acknowledged and removed but they cant imagine how important it is as I write this XXXX XXXX XXXX XXXX that they complete what they started and not do XXXX  on what Ive lawfully asked them to do as if it is not important! I am disgusted and I am horrified that as a tax-paying citizen who has been a responsible and hard-working individual all my adult years I am thrown to the wayside when THEY lose my most precious and private information thru a hacker and I have paid the ultimate price to their irresponsible and unethical business. I have lost everything because of this and I have done nothing deserving of the cards that I was handed and as a VICTIM TO BREACHES IN COMPANIES I ENTRUSTED W THESE THINGS I AM DEMANDING ALL THE NEGATIVE STUFF BEING REPORTED ON ALL THREE CREDIT REPORTS to BE BLOCKED AND REMOVED IMMEDIATELY DUE TO HAVING NO KNOWLEDGE OR ANY WRONG-DOING AND A VICTIM OF IDENTITY THEFT! 

Thank you kindly for your time in this matter. I apologize if I seem emotional but frankly, I am just so tired of being ignored by these agencies and if I do my part and hand them all they need to show I am a victim and I lawfully ask for them to do their part in now that I have given them all they need and in fact been proven to be victimized, however, they just gave up continuing to correct my reports apparently and now Im left with some removed and many negativity remaining ; therefore I remain XXXX and forking more money to have insight as to how far they are on my blocking request since they send me no information and keep me in the dark and now claiming my investigation is over but they ( all three bureaus ) didnt even finish and as it has been 30 days they most likely just wanted to meet their timeline and meanwhile I suffer because they have a deadline????? No!!!! Remove the negative accounts and collection ( s ) and all hard inquiries as per I havent applied for credit since I was in my early XXXX let alone max em out and destroy my reputation as a borrower etc!? Its absolutely absurd! I am demanding these negative charge offs and collects and hard inquiries and any other damages the theft has done and now being reported in my name, be completely removed or I will be left no choice but to go to court and have all these furnishers and credit report companies smeared in the public eye for their complete and utter failure to the consumers as I know Im not the only one claiming neglectful and despicable and unethical behavior/actions from these agencies and furnishers alike. Thank you for listening. I am at your disposal if you have any questions or concerns. I have every shred of evidence showing I proved my identity theft and they even removed some of the negative stuff but pls can they finish their job if a deadline is a problem well too bad! You didnt get info on time and so as the law states the negative stuff you never looked into and had run out of time on it whatever it may be the reason for removing some and leaving most is I dont care. Do your job remove it or Ill take them to court. Thats is a promise. And I follow thru and finish what I start as u can see! Help! rejected for a home, long story short as I was on a time crunch to leave the home I ended up accepting that I would not find a home with this fraud on my report/landlords assuming I was an irresponsible borrower, etc so I put my belongings into a XXXX  in XXXX, still being stored due to no rental application approved due to this horrific theft and now I am XXXX. That said I got to finally submit my theft affidavit w the FTC and included that w proof of Id and FCRA law and each credit report to each particular credit bureau ( XXXX XXXX, XXXX, Experian ) circles all incorrect reporting on my report by each of the companies and any documents I had to show my victimization of the two breaches ( both XXXX and XXXX XXXX ) and the confirmation numbers from the two breachs settlements I filed with them as a victim and having been notified of only XXXX XXXX  via mail and XXXX thru research of my own. I did all the recovery steps the FTC recommended I do. I have all names and dates and times of day I called each of the 3 bureaus and each of the agencies that report the theft data to these bureaus after only some of the theft was removed by some of the XXXX. As such, all representatives I talked to that are reporting the theft ( furnishers ) are confirming that the accounts are closed but are being reported by the XXXX agencies. I filed my FTC on XX/XX/XXXX, all disputes are finished as far as I can tell. However, even w docs telling me accounts have been deleted ( because of fraud/theft ) and the furnishers and reporting agencies are still reporting the theft!!!!!! Its been a very expensive and tedious process to get my identity and my real credit accuracy as per my right. I have been disregarded as frivolous meanwhile I am sitting here XXXX and paying hundreds to keep checking updates of my scores to find out what is still remaining as I have only been notified by calling myself to get info and then that gives me the ridiculous runaround I have no choice but to pay more money for the updates to see where I stand so I can find a place to live. Please have the EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ALL HARD INQUIRIES AND REMAINING COLLECTION ( XXXX out of XXXX have been closed as far as I know? Not able to see disputes from FTC theft packages I sent as per FTC recovery steps so I am not able to know what remains and what doesnt. This is ridiculous and appalling that I am a victim of their negligence and XXXX called frivolous when I dispute my right to have this monstrosity corrected because, in fact, THEY were so frivolous with my most personal and private information! Im so tired of doing my part and going thru all the hours/days/weeks of getting my docs in order for the bureaus only to have them not complete my requests on ALL THEFT I SO CLEARLY PROVIDED IN MY CREDIT REPORT CIRCLING ALL INCORRECT ACCOUNTS ETC THAT CONTINUE TO THIS DAY AFTER ( certified mailed the packets FTC advised me to do so I am aware the bureaus received my docs between XXXX ) and I still XXXX XXXX XXXX XXXX XXXX with poor credit scores because they cant do their job as required by LAW! So let me do more work and have to now file a complaint w you all because of their laziness and frivolousness with my lifeline so to speak! XXXX XXXX XXXX XXXX XXXX XXXX  and have my mail being sent to friends, please be advised I am not asking now I am insisting that these agencies do their job ; get ALL the negative information on my credit reports from all three bureaus removed, blocked, corrected. This is not only against the law, I have done my part and sent the necessary documents for my case and most have been acknowledged and removed but they cant imagine how important it is as I write this living in my vehicle, that they complete what they started and not do XXXX on what Ive lawfully asked them to do as if it is not important! I am disgusted and I am horrified that as a tax-paying citizen who has been a responsible and hard-working individual all my adult years I am thrown to the wayside when THEY lose my most precious and private information thru a hacker and I have paid the ultimate price to their irresponsible and unethical business. I have lost everything because of this and I have done nothing deserving of the cards that I was handed and as a VICTIM TO BREACHES IN COMPANIES I ENTRUSTED W THESE THINGS I AM DEMANDING ALL THE NEGATIVE STUFF BEING REPORTED ON ALL THREE CREDIT REPORTS to BE BLOCKED AND REMOVED IMMEDIATELY DUE TO HAVING NO KNOWLEDGE OR ANY WRONG-DOING AND A VICTIM OF IDENTITY THEFT! 

Thank you kindly for your time in this matter. I apologize if I seem emotional but frankly, I am just so tired of being ignored by these agencies and if I do my part and hand them all they need to show I am a victim and I lawfully ask for them to do their part in now that I have given them all they need and in fact been proven to be victimized, however, they just gave up continuing to correct my reports apparently and now Im left with some removed and many negativity remaining ; therefore I remain XXXX and forking more money to have insight as to how far they are on my blocking request since they send me no information and keep me in the dark and now claiming my investigation is over but they ( all three bureaus ) didnt even finish and as it has been 30 days they most likely just wanted to meet their timeline and meanwhile I suffer because they have a deadline????? No!!!! Remove the negative accounts and collection ( XXXX ) and all hard inquiries as per I havent applied for credit since I was in my early XXXX let alone XXXX em out and destroy my reputation as a borrower etc!? Its absolutely absurd! I am demanding these negative charge offs and collects and hard inquiries and any other damages the theft has done and now being reported in my name, be completely removed or I will be left no choice but to go to court and have all these furnishers and credit report companies smeared in the public eye for their complete and utter failure to the consumers as I know Im not the only one claiming neglectful and despicable and unethical behavior/actions from these agencies and furnishers alike. Thank you for listening. I am at your disposal if you have any questions or concerns. I have every shred of evidence showing I proved my identity theft and they even removed some of the negative stuff but pls can they finish their job if a deadline is a problem well too bad! You didnt get info on time and so as the law states the negative stuff you never looked into and had run out of time on it whatever it may be the reason for removing some and leaving most is I dont care. Do your job remove it or Ill take them to court. Thats is a promise. And I follow thru and finish what I start as u can see! Help! 
Respectfully, XXXX XXXX XXXX

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