Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
About a year ago we had our business robbed and a bunch of equipment stolen. A few days later we kept getting emails that our loans had been approved. They were coming in back to back probably close to 300 in a few days time. As soon as we noticed We contacted the identity theft website and they were great, locked our account and reversed everything we saw at the time. Since then there have been a few maxed out credit cards we knew nothing about and they also were taken care of perfectly. Now here we are and its time to redo our mortgage like we do every 5 years, our car and house insurance as well. All of a sudden our home interest rate jumps up to 9 % from 4 %, our house insurance has gone from {$1400.00} to {$3500.00} and our car insurance rates have increase on each car by 75 % and we have to pay an extra fee to renew our policy wont roll over. I have my wife look into why all this is going on... well our credit score has dropped from XXXX to XXXX!!!! how does this happen, nothing is showing bad on our credit from any of the identity theft. My wife scoured our credit reports and thank goodness she did. Our police report from business theft for XX/XX/XXXX. On our credit report starting on XX/XX/XXXX we had a bunch of companies pull my credit report, they all have 1 thing in common the Name XXXX  is in it. I see on one of them is gives more details that they are a part of XXXX  holdings. This is the company that caused all this chaos in our life. We have had to close our business, the stress cause my wife to have XXXX XXXX and now cant work. And now all this with our actual finances being affected and all our rated doubling I am having to work 2 job. Please tell me what can we can do? How can we fix our credit, how can we make sure this company can not do this to somebody else. How can we get our life back and get back on our feet. We need help please. Here are the list of companies that has taken away our family owned and run business and taken away from my childens futures. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX On behalf of XXXX XXXX XXXX ( XXXX XXXX AT XXXX FIN Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX MT XXXX XXXX  XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX MT XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX EXPERIAN CLARITY SERVICES INC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX On behalf of XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX MT XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX MT XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX

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