Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would to complain about my credit report about my score, because all the late payment, charge off, collection,. On the credit report will be affected to my credit report. The first thing I want you understand about personal credit report, The meaning of PERSONAL is of, relating to, or affecting a particular person : private, individual, and my personal credit report that mean my information, and only me can give you my information not another company! No body can post anything on my personal credit report with out my agreement, without my signature. And the credit report company like experian, XXXX, XXXXXXXX XXXX is different with all company did post on my credit report, all the company not owned experian, not owned XXXX, not owned XXXX XXXX that mean they are not relationship with you, that mean, the company credit report can not let company post any on my personal credit report. If the people understand about credit if they see some wrong they will contact you and let you fixed right away, but how is about the people dont know about credit like me, and dont understand a lot English like me, they will not know, the information not correct and they dont let you fixed it, that mean their like is not good, their life is turn very bad with bad credit. That will be unfair in American too. That why before some body post some thing on my credit report, you should be find down that information is correct or no?, or you need to ask me it is right or no. If you don't know about that You can not let everyone post everything on my credit report, you can not let them do what ever they want on my credit report, that is my credit report not their report. You need to understand that. I explain the sample, credit report like your house : the house is your, nobody can go to your house, no body can get everything from your house and nobody can put anything on your house with out your agreement, that is the Law. Everything you do it right now is not UnFair Credit Reporting Act, And not correct According to the Fair Credit.XXXX XXXX About my score : credit score is a three-digit number that comes from the information in my credit report. Remember my credit report not company report on my credit, it is different, not is the same. You did make a mistake about count of my score.. Look at on my credit report right now, and see how did you do with my score, my score is be below for long time, from XXXX to XXXX is 11 years. Because my credit very bad in 11 years, that make my life is very bad, and after covid, I cant make good money I lost my job,, I can not paid for house, I can not keep my car, I have to let company to repo my car, I lost so much money, so much thing of my life, very bad very bad., right now the interested for the car loan, I paid is 20.60 % higher, I can not appove for the mortgage, everything I paid very high interest, you are make my life is end!!!! Understand, credit report very important with everybody, you can make their life is End, you can make some body life is very bad, and that will be very sad, please understand and do your job, I have XXXX kids, every thing very expensive right now, the rent payment too high, I have a plan for my life to get better, like refinance my car, open business again, but because my score too low, everything so hard with me righ now, I need you give me a chance, fix everything not correct on my credit report, that will help me a lot, that will make my life have a good chance, thanks

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