Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
let 's just say all 3 credit reporting agencies are really not good for one hard to get a hold of, they don't listen or help and what information did you verify when the account was open great what does that let you know, anyone can verify that and it proves nothing but I have to say Experian is the worse for one they disputed not once but twice an account for the wrong thing so of course it was denied or got kicked back and now what I have to wait another 30 days for the right one. My student loan which XXXX  XXXX  used to own but now XXXX does they have 3 late payments from XXXX for like 190 days but my account has been on freeze or differed same thing so I'm not late I have repeated it over and over again through mail, on line, over the phone so when I got an email from the school saying that I lost it I called XXXX and spoke with a very nice man his name is on one of my thousands of folders and he like I don't have you as late your just on freeze we just extended it for you till XXXX I email the credit agencies that do you think they changed it, nope the man told me email me were it shows they have you late and I will let them know you're not so of course I did and disputed it again. so hopefully this time it gets handled its only like the 5th time. Then Experian disputes my XXXX  XXXX XXXX  XXXX  which all of my open stuff is exceptional it says everyone is on auto pay and I have had them for like 7 years they disputed that under identity theft so everything I want you throw out and everything that's not supposed to be there you keep, oh I get it now. I have files of documents and proof of all my disputes I have sent police reports, identity theft reports, utility bills, leases, proof of payment everything but blood. Since the inaccuracies and the wrong doing to me I have been denied for my XXXX XXXX  like 4 times and I have explained this to them I have cried, yelled, wrote letters and complied but my home and business is counting on this loan do you think they care no they don't I don't sleep good since the hurricane which was beginning of XXXX and have lost XXXX pounds because while I'm dealing with credit agencies, running my business 12 hours a day I'm also dealing with fraud in my own accounts two loan companies went in my bank account stole like XXXX XXXX now I'm dealing with my bank which I'm not too happy with them either but also insurance companies and filling all the paperwork for everyone nonstop and everything takes so long I'm about to lose it. You finally get a live human being on the phone and what happen they hang up on you and act like the phone got disconnected you can't talk to like supervisor or anyone with real authority what is this place a frat house the people that decide whether you get a loan, home, credit or assistance that is who is doing it a company that is only interested in the way they will benefit which is try and keep you as a member as long as they can and try to get to accept those XXXX offers they want you to take so of course they don't really want to help you and its clear as day now. They get a kick back and nobody with a 7 or better score is taking a credit card with 30 % interest, duh and I'm just tired of being taken advantage of or not being heard because they can do whatever they want and they know that and I guess I do too, but we have to do better than that because that is crazy to me.

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