Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I tried to order my free anual report, i was denied experian because a problem exists, this is also disturbing because I have an account with them and I can access my account just fine. XXXX XXXX, I have updated my info multiple times, I ended up getting blocked by the site owner, Iam not sure if that prob is current but the problem I do have is the address is not corrrect, I tried to update the info which I have to agree is correct before ordering and it would not update. I have not got to XXXX yet on my XXXX XXXX. I did have a major problem with them previously. I sent in proof of income, proof of address and my ssn with ID. they sent a document which said they updated the info as per my request. This was done in writing, the phone number that was added was not the number I listed and is a number I have been disputing for over a year. I wrote them again and asked how that could have happened and asked them to correct it. I then recieved the verify my info again for the 4th time and could not access it online. The problem with my previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX iscthat I was evicted as a homeowner, I did not have a lease, I tried to fight it in court but after trying with no legal assistance available, My case was thrown out after the judge did not recieve my documents that I submited in person. the fact that I did not have a lease, I was wrngfully evicted, the fact that the prior address is not being updated, I assume they locked me out, stole half of my stuff and took over my identity. ( this is an assumption ) I also found out the XXXX account I have been disputing was still open in XXXX which ties back to the number that was added some how. that number is XXXX, it also shows closed on the credit reports I see for the last year. I also found out that Legislature has frozen my credit, I asked why and got a bunch of rcw laws that Dont sound right, the way to correct it was to file a complaint with the attorney general which I did yesterday. I am also having a really hard time finding a place, I filled a fair housing complaint with the doj and XXXX of XXXX, then got notice to vacate the shelter I was at, thenfound out the shelter would not verify my address. Which is required because of the other address on file. Now I have a XXXX XXXX and no other address, I worked with XXXX places to get help with housing, XXXX, XXXX and XXXX XXXX. The fact that I have income to qualify, credit score on experian is about XXXX no criminal, no evictions, but somehow have an unlawful detainer. Which I tried to fight but papers were lost that I turned in to the court clerk in person and my case was thrown out. the fact there is so much funding that is supposed to help people in my situation yet I have recieved a bunch of wasted time and money and no actual help. other than being able to stay at a shelter for a few months, I also had mail stolen that was sent to that shelter. I question how funding is actually being spent. Today I just wanted my credit reports. I thought it was a law to have the right to know what is on my credit report. My reports differ depending on what state the report came from. I ve noticed they are all from out of state which seems odd since there ate agencies in WA.

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