Consumer complaint received 2022-11-22
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Here is what happened and had Been happening. I am a victim of fraud and Identity theft. I believe Experian Credit reporting agency is a major part of the problems I have been experiencing. Although I had been experiencing and feeling the effects from this I did not know what was happening, why, or how. finally in XXXX  after being scammed by different banks since I was 20 years old in XXXX I was told by a bank in XXXX that I was a victim of fraud and identity theft and to check the credit bureaus which they had listed on the letter which was ExperianXXXX XXXX, and XXXX XXXX XXXX XXXX  which I did not even know there were ac counts created at these companies with my private personally identifying information because I myself did not create or open these accounts. I did not even know that I could. After contacting first XXXX, there
I learned that I was in fact a real victim of fraud and identity theft. I was made aware that my Social security number had been mixed with a whole other individual file and it was a business. At that time XXXX verified my real identity and said they would no longer report that information with my file and that my file was secured. that company suggested I contact the other three credit reporting agencies, Experian, XXXX and XXXX which I had done right after. the first one I contacted was experian. Once I got connected with a online agent, I explained why I was calling, and that I had been a victim of fraud and identity theft who was told to contact the. company. The agent asked me for my social security number. At first I was hesitant, yet after the agent said if I did not give it to the agent that the agent could not help me. So I ended up giving the  number to the agent who then told me yes I did have a consumer file. I explained to the agent that I did not know that, nor had I created that consumer account file and reminded the agent of just learning that was happening to me. The agent began  to verify the in formation on the report. None of it was accurate, none of it, from my full given name which if it was me would have been used accurately plus if it was verified, would have been accurately entered if it was truly my account as the agent told me it was even after I explained to the agent the reason for my call for that company to know I did not create or open that account and did not even know there was one existing in my likeness. the agent began to attempt to get my accurate information just to put it on the inaccurate fraudulently opened account. once I noticed that I had made the agent aware that the agent seemed to be trying to cover up something instead of closing the account that I did not create or as for. well at that time the agent got rude and began to tell me that I could put a security freeze or and fraud alert even after me telling g the agent that is not my account and I just simply want that account removed or my information that was mixed with that account removed from the account. The agent told me that would not be able to be done, and begin to as me for things lie my date of birth, which they had inaccurate, ask. me for my address which they had inaccurate, because I was able to pull up the file while talking on the phone with the agent after getting the information from the agent.The agent asked me to look over the file and anything that I did not see correct to say what information was not correct. once I looked and verified with the agent that none of it was correct not even my name. the agent told me that yes it was correct and that they would not change it, even after I uploaded and sent my accurate identification of my full given name and surname as it ought to be accurately, my date of birth was inaccurate which I verified that the agent was leaving and reporting information that should not be attached to me. The agent said that they would not change it because it was accurate and would not be able to be disputed. I asked even though I am a victim of fraud and identity theft and I verified that you are reporting inaccurate information is what I asked the agent at that time. The agent said yes even though that the agent would not change it and it would still be reported on the file . Then the agent went on to say is there anything else I wanted to dispute rudely. I then responded yes! All that is being reported as debts I owe which infect I do not owe which infect are other individual accounts using my social security number with their accounts which was what I learned from another bureau who notified me to tel me who also knew they were fraudulent accounts and inaccurate who told me they would no longer be including my private personally identifying information with that file, is when I asked why are you to the agent. who said because it was my information and it was accurate, but I could put in a dispute is when the agent said they could help me with that. I then said yes please do dispute it. I also then asked the agent well your saying the information is accurate even though I am saying it is not and can verify it and have, where was the agent getting this information from that the agent was so confident was being reported accurate from? and what way did the agent use to verify that it was accurate to the point the agent was defending it with a attitude towards me the real one verified? The agent said that it received the information from several reporting companies. I then said oh really? even though the major ones notified me I was being a victimized by fraud and identity theft is what I asked the agent. The agent responded that I would have to take that up with the company and that the agent was completing the disputes and that I needed to wait for a response from the companies who was listed as reporting the information as accurate to complete their investigation and I would be notified. the agent then said there was nothing else to be done. I waited for the response. Once I got the response back, even after I verified my true accurate information, after I disputed all the inaccurate information, I was shocked to learn that the results from waiting came in and I was told that that was my accounts and the information was accurate so they at experian  was leaving it on. This happened in February , XXXX of XXXX because I had eventually disputed the information again yet the same thing keeps happening. even up to this day of me putting in yet another complaint about this for a resolution and more for the suffering this intentional error has been causing. I have contacted XXXX  who verified they did not even have a file for me and gave a few reasons, saying that I did not have a consumer file because I did not have a file in over 10 years, I never applied for credit, and it said something else I can't remember
 right now yet the card they sent id among the documents I collected from many companies in the past when I the fraud and identity theft and scamming was being done to me before I even knew what it was and what had been happening to me, even up to this day.  I explained that learning that much, I called back to experian and another agent tried to defend and stick to I guess their script to defraud by trying to say the information was accurate. I made that agent also aware that I hade no account with XXXX after calling that company to verify and XXXX who also said the same thing when I first called them. After speaking to them they gave me a account, told me to keep the freeze on and that they would help protect me from any fraud and would not report any fraudulent or inaccurate information and that they would alert me to any suspicious activity using my private personally identifying information.  I get a monthly statement from XXXX letting me know, no public records were open on my account, no activity, no debts. nothing which I don't have as verified by the IRS bureau of fiscal services who verified my social security number and said my account was paid in full and I did not owe any debts, and because I was not employed by anyone or own any business, that I did not even have a its collection account with them, after I explained to the IRS the reason for my call to their bureau as I was trying to find out how the fraud and identity theft was happening and explaining how another credit bureau agency had told me that my social security number was used with an individual name but it was a business because I asked who and how because I had not lost my identification anywhere. The agents there verified my information and let me know to contact the social security administration and the law enforcement.  Which I did but I guess that is another complaint for a different thing, yet somewhere from some source, which I keep coming back to experian who has to be reporting the inaccurate information, even though they say its not them because they are reporting accurate information although I know that they are not, this information being negatively reported with my private personally identifying information although I do not get loans and have not ever been able to since I was 20 when I first ever went to a bank to apply for an account which I was told I needed to be able to make payments to eat, get a place to live, to make payments for all I needed to pay for costs and things, is what I was told by those individuals in business in offices that  I was instructed to go to located in the state of North Carolina to start, at age 20 that I surely remember the individuals there in those offices even the banks I went to, asking for my private personally identifying information who said they needed it to provide me what they said I would get. I now know for a fact from years of the same experience of being instructed to open a bank account in XXXX, that I have been scammed for years well more like decades because of this misleading suggestions by the business employees who apparently get my information and then instead open up fraudulent accounts who have been selling it to the credit agencies or bureaus who continue to keep inaccurate reporting which is obviously coming from credit reporting agencies, which I was being told for the longest that Identity theft is hard to resolve or investigate because they the investigation bureaus do not know where this is coming g from, I now know that has been a lie too. I know for a fact that no one is doing nothing about this and did not truly investigate or verify the information they bought and have been selling and continue to sell as accurate  is my guess is why they are refusing to stop. I even contacted  Bureau of fiscal services, United States treasury department who said none of my transactions should never decline for payments. And I left out the fact that I am actually owed money from many deposits I made to these fraudulent bank accounts created in my likeness yet not accurate because when I questioned on many occasions to the banks managers throughout my experience with banks from XXXX  up to this year XXXX  when they were opening an account for me, I questioned the fact that even after I show my passport identification united stated of America and no I am not an immigrant, I am native to North American land which has been verified, I questioned even after verifying why did they change my name which could appear could be someone other than myself and would cause a conflict which could explain why the bank accounts never be sufficient after learning this was happening at all the banks I ever applied to, who would do this, and them reporting to these other agencies and bureaus as accurate, yet the accounts the bank managers actually opened up for me from now to back then have never been sufficient, I get over charged, I never receive the proper credits back to my accounts and loose all my deposits to those banks after the accounts there get closed but I did not and do not owe any debts. As a matter of fact I am actually owed payments back due to me from making many advanced payments because the businesses, banks, first. My reason I believe this was able to happen and go on for so long is because the credit reporting company experian and the banks and other credit reporting agencies reporting inaccurate information about me actually have some type f[of business deal to defend that mess. which is caused and still to today been causing a huge mess for my life and lifestyle, causing me to be scammed and at risk for more scams which continues as I go without because of the misconduct of these agents representatives who been trusted somehow by who I do not know cause I did not trust them. I was always told since 18 if I do not work and go sign up to these businesses who been scamming me that I would not be able to have any money eat, or have a place to live or get what I needed or wanted. Well I did all that since XXXX and in XXXX still being scammed til this day. All starting with these companies or against under government who have been stealing and scamming from me down to my very own identity and continue to report their version of my identity and their a counts as my own. Experian will not close or compensate  nor correct the inaccurate in formation and separate my private personally identifying information from those accounts. instead they continue to report them which had surely been having a negative affect on my and my children lifestyle without a doubt. But they still defend this madness and I still have to suffer as I am because of it. My children and I. and it is not fair. Yet tell me is it fair that they get to do this and continue to profit from it while we go without? this is my complaint something has to change immediately. This should not be allowed to go on any further as it has, for weeks, months, years, decades to me and my children is wrong. absolutely wrong and shall not be happening. Yet I my complaints just keep getting passed around  and no place yet that I have sent reports to have done nothing to change this so that it is no longer a hinderance to my life. I am now beginning to wonder why? Not even this bureau who I haven't quite gave up on yet, as I did send a report complaint in XXXX  a few to the CFPB consumer financial protection bureau who seem to have done anything yet but forward my reports or complaints to the same companies who seem to be doing this because they are being paid from false inaccurate reports. Probably being paid from The Bureau of the fiscal services treasury account that I was told all my payments come from cash or Cheque form and should never decline. My guess is they are creating this so that they can be able to falsely charge me and my accounts so that they could get the payments instead as they falsely promise to make the payment. Then they create accounts and bills and things to cover cost and payments for their own benefit but then tell me I have to pay them when I never received the payment to make any payments in the first place, or they say I owe them somehow is what I see been happening now that I had to dome own investigating to help get a resolve because nobody was or is doing anything after I report everything that I have learned has been happening to me as I find out. There has to be justice to me and my children for a change of all of this. This is terrible. we can not even buy well pay for food because of it as well as many other necessities we are in need of and have been continuing to go without for years decades and still going on. makes no sense. Experian should just closed down because of doing this. I can only imagine how many other lives they ruined and continue to ruin because of their bad business practices and their affiliates who would take their word for it without going behind them and verifying their information they are reporting. I am just thankful that XXXX did, as well as the bank who chose to notify me of this as they should have, which was different than all the other banks who choose to scam me along side experian instead.

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