Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Formal Request to Reopen Previously Filed Claims Dear CFPB Team, I am writing to formally request the reopening of the following complaints previously submitted through the CFPB Complaint Portal, which I inadvertently missed providing feedback for within the allocated time frame due to the holiday season and XXXX XXXX  schedule : XXXX Complaint : Reference # XXXX Experian Complaint : Reference # XXXX XXXX Complaint : Reference # XXXX I greatly value the assistance provided by the CFPB and the accountability it brings to consumer reporting agencies. Due to unforeseen circumstances, I missed the feedback window. However, the unresolved issues in these complaints have continued to harm me both emotionally and financially, and it is imperative that these matters are revisited. 
Emotional and Financial Harm Caused Discrimination in Financial Matters : Due to the inaccurate and false reporting on my credit reports, I was denied financing for a new car under account number XXXX with XXXX XXXX XXXX.This forced me, during a separation period from my husband, to ask him to co-sign the loan. Despite being the sole responsible party for all payments, my husband, with whom I am divorcing, was designated as the main buyer. This has not only caused significant financial strain but also severe emotional harm, given the complexity of my personal circumstances. 

Reporting Inaccuracies and Lack of Action : My credit reports show accounts that stopped utilization around XXXX, during the slowdown caused by COVID-19. At that time, my wallet was lost and the Unauthorized charges that I did not make, and I reported them all as lost via phone. I trusted that the system would address these issues, but I later discovered that these accounts were neither properly addressed nor resolved. 

Fraudulent Third-Party Assistance : In XXXX, I sought help from XXXX XXXX XXXX , believing they would assist in disputing unauthorized charges. Instead, they defrauded me, taking my money while allowing the accounts to go into collections. In desperation, I turned to XXXX XXXX XXXX XXXX, who charged me {$500.00} on the monthly basis since mid XXXX but worsened my situation with the same deceitful business practices. When I requested an attorney, as stipulated in our agreement, they refused. Additionally, when I asked for an account ledger and a copy of our agreement, they denied my requests. When I attempted to print a copy of our agreement, the document displayed names of unrelated companies, such as XXXX XXXX XXXX XXXX and XXXX, which I have never heard of, proving I was conned. 

Mental Health Impact : These persistent and unresolved issues have caused me permanent emotional damage, resulting in XXXX  and XXXX. The unfair treatment and harm inflicted by the reporting agencies and third-party companies have left me in a constant state of distress

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