Consumer complaint received 2021-03-11
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: Information belongs to someone else

Complaint:
When I recently applied for an auto loan, I was initially declined because there was no credit history for me with Experian. Upon checking my credit report, I noted that a different social security number had been associated with my account, and all of my credit references had been wiped clean. There was literally XXXX XXXX XXXX existing for me. In addition there were erroneous addresses which were unable to be removed with the online dispute tool at Experian. When I called I was on an extended hold and was told when I finally reached a representative, that I need to have all the companies send a reinsertion letter to get the accounts to start reporting on my credit again. That is not my primary concern, my primary concern is that a different social security number has been associated with my credit account with Experian. They seemed completely unconcerned about this and were unable to tell me how and why this happened and why nothing had been done about it. As of last year when I pulled my credit report everything was accurate, so at some point a different social security number had been added to my credit report without my knowledge and without any knowledge seemingly by Experian. I continued to ask how the social security number got on there and what they were going to do about it, and the representative just kept telling me I need to have the reinsertion letters sent. He did not understand my anxiety and distress at the fact that there is a different social security number associated with my credit file with Experian, and they were not concerned and not doing anything about it. I asked to speak with a supervisor and was put on an extended hold, and then was cut off. I am sending a letter to Experian today, to the corporate office, and I am filing this complaint with you. My credit was jeopardized, I was turned down for a car loan. Only after calling XXXX and inquiring about my existing loan with them did they put it through. Had I been going for a different type of vehicle, this would have been declined, flat out. Experian is very difficult to get ahold of, and it is extremely difficult to correct your file using their online tools, as they do not allow many of the items to be disputed online. The social security number was XXXX of them. XXXX how distressing it is to look at your credit report and see a different social security number associated with it. In addition all of my past credit references have been removed, dropping my XXXX XXXX with them. It is currently XXXX with another credit bureau and I had to add my own monthly payments through my checking account in order to even get a XXXX XXXX with Experian, and it is currently about XXXX points lower without my credit history. This is an extreme misrepresentation of my credit record, and it is negatively affecting me. It has also caused me much distress. This is nothing short of negligent and reckless on their part. The last XXXX digits of my social are XXXX. I was unable to enter it on this complaint app.

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