Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I filed a XXXX Complaint with the FBI regarding someone or companies tampering & modifications on my credit report, my employer on my credit were rearrange someone remove multiple employers where I physically worked and added a Gentlemen Club position on my credit report instead, The position and company shouldnt not be there I never gave the IRS any information about working in the establishment I dont understand why is presenting on my credit report I disputed the issue the bureau refuse to remove it off my credit report it literally showing up when someone run my credit for anything ( housing, loans, banks ) whomever the individuals are decorating my credit report without my consent this is not a school project this my credit report its affecting my living most important my reputation. Moreover about XXXX vehicles or more reported on my credit report that I never own or drove this located on the Experian where you apply for auto insurance. I never applied or have any auto insurance for those multiple cars those should not be on my credit report whatsoever. I have reach out to three credit bureaus about this issue that listed above all three fail to resolve anything. Credit bureaus responses : The issues that you ( me ) complaining about does not affect your XXXX XXXX. XX/XX/XXXX, my XXXX XXXX affected decreased my XXXX XXXX XXXX points lower. I barely have much debt on my credit report, I never had a credit card or huge amount personal loan Never in my life, I havent applied for no credit recently, I had to pause on my apartment and housing search due to the tampering and harassment with my credit report. The XXXX credit bureaus allowed the individuals to do modification to my credit scores, vehicles auto insurance on ( Experian ), employers due to severely hacking & tracking every place I applied for and trying to destroy my finances and credit scores. I also put a Fraud Alert on all three credit reports on XXXX XXXX in the past. Whomever the individuals trying to make sure I dont receive any Financial Stability or Housing Stability by attacking my credit report every week trying to decrease my credit score. Exploiting and Exposing my Financial Information to different states and cities Defaming and Slandering my Financial situation to the public throughout XXXX, GA and XXXX, FL. I am currently being block from viewing my credit score had to learn information through a 3rd party company about my credit score through email on XXXX XXXX stated my credit score decrease XXXX points it impossible to obtain anything to get approval for example ( housing, loans, car ). Leaving my household in an unnecessary hardship. Everything on my credit report is old debt and very rare I applied for new credit the scores should not reflect every week it very obvious that a individual or business is intentionally trying to destroy my credit score only for it to decrease to XXXX points overnight in the meanwhile I have to wait 6 months, 30 days, to a year for my credit score to increase back to the score that I had before the major decrease, keep in mind I have invest in credit builders to help my score to get to a certain average that defeat the purpose for using it if my credit score was going to drop XXXX points lower especially if it have anything to do with any debt on the credit report that is extremely old. The student loan on the credit report is not supposed to be on my credit report it needs to be discharge due to the college shut down all their location in XXXX ( XXXX ) in XXXX the college ( XXXX XXXX XXXX XXXX XXXX of XXXX in XXXX Ga ). XXXX XXXX XXXX is only operating in XXXX, XXXX currently as of today. Therefore, the student loan needs to be discharge off my credit report technically the loan was deferred apparently someone un-deferred the loan again someone is tampering and reaching out to every collection that listed on the credit report trying to refresh it trying to keep it relevant to lower my XXXX XXXX on all three credit bureaus. Keep in mind this college is operating out the country but still want payments for student loans from the XXXX Government prime example this need to be remove off the credit report. Meanwhile I have been receiving spam calls from robocalls and individuals trying to impersonate as healthcare marketplace using company names off my Credit Report this been reported to the Federal Trade Commission about the calls, I have reported over XXXX numbers or more. Moreover, I reported to law enforcement the FBI about individuals and companies using my credit report and other financial information to anatomize my household using people in the public to exploit my financial information and living situation regarding my credit score report. A prime example whenever I go spend any money chase bank in XXXX, Ga will send constantly emails in XXXX. Keep in mind I do not bank with XXXX bank in XXXX, Ga anymore. Whenever I go spend any money chase bank in XXXX, Ga will send constantly emails in XXXX about XXXX or XXXX old balance. XXXX Bank in XXXX, Ga just recently started sending these emails. XXXX XXXX  in XXXX, Ga also been reaching out to Social Security Office in Jacksonville, FL accusing me having extra money in my bank account from XX/XX/XXXX, I receive this information in XXXX directly from the social security XXXX in XXXX, FL. My records were already transfer in Florida. Therefore XXXX, Ga should have no reason trying to change anything regrading social security records especially when I currently reside and a resident in the State of Florida therefore the State of Georgia dont have no reason to be reaching out to different companies and individual about me and my household whatsoever especially at the social security office regarding XXXX XXXX  XXXX XXXX and speaking on their behalf about a lump sum of money I supposedly have in my bank account in XX/XX/XXXX. I am currently being represented by a lawyer for XXXX XXXX XXXX Data Breach due to personal information were being revealed during the breach. My credit report is currently and has been cyber stalk, cyber threat, cyber tampering, cyber financial abuse, cyber harassment to credit scores and tracking devices to look at personal information in my bank account. I strongly believe all three credit needs to be investigated Experian, Transunion, Equifax ) the XXXX XXXX in XXXX, GA including all the location associated with the entire XXXX Branch needs to be held accountable. Remedy I want for this experience for Indvidual to criminally charge due the tampering and harassment on credit report and making spams calls, all three credit bureaus need to be ban just do everything income base for that reason for allowing individuals to rearrange and tampering with my credit report and financial exploiting of consumer. If the credit report can't be resolve I'm asking to assign me a new Social Security Number currently I'm being blocked to view my credit report on the website I have been receiving emails about my credit scores being decrease to XXXX points.

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