Their data breach included me because I gave them all my info when trying to 'fix" my credit. Now my identity has been compromised. Someone is using my identity. I really don't know why they chose me....i have credit that they said "needs work" but I guess any identity is better than none.
I’ve been a victim of Identity theft. I have provided the document to Equifax over 5 times, and I’ve written Equifax as well.
Reporting my mortgage 210 days late
Furnishing and reporting inaccurate information, duties failures under CFPB regualtion V, Violation of the FCRA including but not limited to 623(b) Furnishers' Investigation of Disputes Filed with CRAs.
Re-adding collections that was disputed and deleted years ago, not properly investigating credit report for accuracy and completeness.
I've been paying child support arrearage for years. Experian continues to report "FP" Failure to Pay and a wrong balance on the amount due. They've refused to fix it claiming that the Dispute has been validated. Their incorrect reporting is affecting my credit score and at times it has resulted in being denied credit. This has gone on for a very long time.. I have copies of payments and documentation with the correct balances.
they are declining my identity theft claim and decided to reinvestigate
I'm in a perpetual Experian created problem that takes me hours to fix each time. I have been a victim of identity theft but having a credit freeze and fraud alert is a major handicap to just conducting daily business as a business owner. The two other agencies TransUnion and Equifax are simpler to fix, although it takes about an hour each time this happens, to fix the problem by going thru a series of questions to prove your identity. With Experian you CAN'T speak to a person. It us only an automated voice mail. If you day the word fraud or alert (to remove their mistake) you are told they have reinstated another freeze and will also notify the other agencies. So then the cycle starts all over.
I have an account that was opened in March of 2012 and 1st delinquency date is April of 2012. I Submitted a dispute based on statute of limitations being exceeded and they refuse to remove it from my report. Iwent through the same process with both Equifax and TransUnion and had no issues removing the account (Peak Acceptance) from my report. Not only has Experian refused to remove it from my report they now have the date to come off my bureau set at January of 2028. So 10 years on top of the statute of limitations...they are obviously on the side of the dispurser and have no regard for whom they are actually effecting.