Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear FTC Employee, Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Phone XXXX I am writing this very concerning letter to inform you that for a around the last 28 months, I have become a victim of a data breach and cyber hacking, during which most of my personal and sensitive information, including but not limited to my Social Security number, date of birth, address, credit, medical records, financial accounts, emails and passwords, were compromised and exposed online and even utilized on the dark web. As a result of this breach, I have experienced incredibly significant challenges, including my inability to pay my bills/accounts and support my family. I do believe there have possibly been some and accounts involved with identity theft, which has subsequently led to significant accounts being sent to collections and negative items appearing on my credit report. 

As a dedicated member of the XXXX XXXX  XXXX, this breach has directly had a great impact on my ability to serve my country and provide for my family. I am respectfully requesting your urgent assistance in figuring out the best direction to move forward. Also possibly removing and helping me resolve any inaccurate collection accounts or information connected to compromised information that may be reflected on my credit report as a result of this breach. Additionally, I would like to request the following : Investigation and Dispute : I am requesting all major credit bureaus to initiate an investigation into the accounts reported in collections after XX/XX/XXXX and remove any fraudulent charges or collections that resulted from the breach. I have enclosed copies of supporting documentation where applicable information. 
Please understand that I became a member of the XXXX XXXX as a XXXX in the XXXX XXXX XXXXXXXX. I am trying to serve my country and provide things such as adequate housing for my wife and XXXX children while also focusing on this completely disheartening situation. 

Note : Although this is a complaint primarily concerning my credit report, and financial stability due to some type of online fraud and cyber-hacking. Please understand that my concerns also go far beyond just credit reporting. An example is I feel I was a victim of issues such as some type of online employment sabotaging. During this time, only my emails and replys for employment prospects would be automatically deleted from my hacked email, which kept me unemployed for an extended period of time. This was prior to entering the military. I could go on with numerous non-coincidental instances that seemed purposeful in keeping me form financially providing for my family. This subsequently caused a downward financial spiral seriously affecting my credit. I even tried doing rideshare deliveries such as XXXXXXXX XXXX. One of the most infuriating instances. I had my data deleted and passwords changed to my rideshare account while in the middle of delivering XXXXXXXX XXXX. ( While I was driving ). I did not do this. Which compromised and shut down my account and was an extreme safety hazard. I know that seems very random and absurd, but XXXX can verify the timing and truth of this information. The situation deleted my XXXX account changed all of my information in the middle of a delivery and did not allow me to continue to make deliveries, which subsequently cut off my finances to provide for my family and pay my bills and accounts. Its been a disgraceful and dark situation as a customer. Shady text messages and notifications have occurred ( without me even signing in with a new or pre-existing apple ID on a brand new XXXX ). I have contacted XXXX about this also. And this is why there are multiple XXXX XXXX accounts with XXXX and XXXXXXXX XXXX XXXX delinquent on me on all 3 of my credit reports. This was due to spending thousands of dollars on new devices which were compromised. I also have a major eviction due to all of this. As a service member I have to move with short notice and if needed, provide adequate housing for my family and myself. It seemed as if my phones were being tracked and compromised via my social security number which was found on the dark web. I have done moderate research about this situation online and have been instructed to reach out to the Federal Trade Commission, Consumer Financial Protection Bureau. XXXX XXXX Device Security and possibly on base XXXX XXXX & XXXXT legal professional for assistance. I have been dealing with this for about 2 years now. I have begun this process with reaching out to XXXX XXXX. 
I will give a few examples below in bullets of ( just a few accounts ) on my credit report that have severely impacted my life and the stability of my family due to what I believe may be identity theft, hacking and sensitive data compromise. 

XXXX XXXXXXXX XXXX XXXX This is an account with XXXX phone carrier. This account exists because my XXXX product through XXXX phone carrier was compromised, and my personal sensitive data was compromised through my apple device. I was no longer able to use this service but was still required to pay. I have contacted XXXX XXXX and XXXX about this concern and am waiting on response. I will attach the letter that was sent to XXXX. I do have photos and a description below as proof of this compromise/data exposure being valid. 
XXXX XXXX XXXX XXXX This is an account with XXXX XXXX XXXX phone carrier. This account exists also because my XXXX product through XXXX XXXX XXXX phone carrier was compromised, and my personal sensitive data was compromised through my apple device. I was no longer able to use this service but was still required to pay. I have contacted XXXX XXXX and XXXXXXXX XXXX XXXX about this concern and am waiting for a response. I also have photos for this and a description below as proof of this compromised/data exposure being valid XXXX XXXXXXXX XXXX XXXX XXXX This is actually one of the most concerning accounts on my credit report due to the fact that this is a high amount eviction which can severely affect my ability to provide adequate housing for my wife and children. As many know, XXXX XXXX service members we do relocate frequently and have to provide adequate housing for ourselves and our dependents in a short period of time. 

I am deeply concerned about the potential long-term effects of this on my credit report and overall financial health. The past 28 months of my credit repair journey has been very hard to comprehend for me and stressful process to overcome. I have even made a very strong effort to settle and pay some of the debts that are in reason even though they were unjustly caused in my opinion. Ive even gotten some credit monitoring and dark web ssn monitoring which has helped minimally. I have also opened a few new accounts to try and repair my credit. I appreciate your attention to this matter and kindly request that you provide guidance on the next steps I need to take to resolve this matter.

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