Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern ; I have made numerous attempts to provide Experian, XXXX and XXXX with government documents in the form ( s ) of various XXXX Department Police reports which have included a criminal police report case number XXXX dated XX/XX/XXXX where I was identified as victim # XXXX  on page 2 as a person who's identity was stolen and used. I have also provided all 3 CRA 's an identity theft police report case number XXXX, a Financial Crimes police report, number, case XXXX dated XX/XX/XXXX and an FTC Identity Theft report number XXXX in regards to criminal fraudulent use of my personal information. 

I have disputed and sent all of the above police and FTC reports on numerous occasions in XXXX & XXXX of XXXX, in XXXX and again in XXXX. Yet, All 3 CRA 's continue to report fraudulent information on credit file which is in total violation as my consumer rights in the state of California. When any of the three CRA 's are asked how they verified the fraudulent information, I'm always told that the creditor verified that the account ( s ) belong to me. 

If any of the 3 CRA 's attempted to verify any of the police/FTC reports provided to them, they would indeed find that my claims are true and that I was in fact contacted by my local police department about several crimes committed by the two individuals that were arrested. 

It is my full belief that all 3 CRA 's are negligent in properly verifying these fraudulent accounts and considering that the creditors in question who continuously furnish fraudulent information to the CRA 's are paying customers, their word over my proof is enough to allow these creditors to continue to damage my credit and cause me harm. 

There is literally nothing left for me to do as a resident of California that is required under the FCRA in my state of residence that would offer me any comfort in trusting the information provided by the 3 CRA 's in protecting my personal and private information. Their continued abuse of my personal credit information is appalling and disgraceful and has caused me irreparable harm. 

Just recently, I have been applying for a new housing rental and have been told that I have to pay twice the amount of a security deposit to secure the rental. That's {$8200.00} USD to pay as a security deposit instead of {$4100.00} that I would qualify for if it weren't for the fraudulent accounts that the 3 CRA 's are allowing to report on my credit file. I have been charged a higher interest fee for buying a car due to their irresponsibility. This is just a snippet of what their actions have caused me for the last 2 years. 

My wife was also a victim of this identity theft ring. As a matter of fact, my entire household was victimized by these two criminals. There were also several other victims named in the XXXX Police Departments Criminal case. My wife was able to get all of the fraudulent accounts removed and blocked from her credit file, while I was made to suffer for something that I had absolutely nothing to do with. Although I provided all three CRA 's with ample information to assist them in their investigations, it quickly became apparent to me that they could all care less about the accurate reporting of my personal credit information. 

The fraudulent accounts included companies such as XXXX XXXX, XXXX, XXXX, XXXX and their collectors and a multitude of other fraudulent accounts opened at large corporations. I have been damaged over {$80000.00} in the fraudulent opening of accounts. My personal bank account was harmed in this fraud as well as it was literally drained at one point in time and I provided proof to all 3 CRA 's of this fraudulent activity. I am lucky that my local police department was able to catch the thieves and put a stop to their madness by locking them up. However, I can't say the same for any of the 3 CRA 's as they have facilitated the creditors in literally ruining what once was a great credit profile. 

I kindly ask that you make the 3 CRA 's answer for why they have allowed fraudulent accounts to remain on my credit file by not removing or blocking the reported fraud from making its way into my credit file and damaging my good credit. I also kindly ask that you make them take action in removing the reported fraudulent accounts followed by blocking the creditor from ever reporting the fraud to the CRA again. My rights have been cosistently violated by Experian, XXXX and XXXX for the last 2.10 years and it must stop. 

All police/FTC reports are verifiable and there are detectives ready to confirm what happened as is stated in the reports that I have provided to all 3 CRA 's . The accounts that I have been fighting to remove are as follows : XXXX. XXXX XXXX XXXXXXXX Account - XXXX or XXXX ( transferred ) No action taken by the company XXXX- {$50000.00} XXXX. XXXX XXXX Account - XXXX ( closed ) No action taken by the company Amount- {$8600.00} XXXX. XXXX XXXX ( closed ) No action taken by the company Account - XXXX Amount {$12000.00} Experian and XXXX are by far the worst offenders. XXXX seems to have removed all fraudulent accounts except for the XXXX XXXX  account. Experian is even listing addresses and phone numbers that don't belong to me. 

In closing all I would like to happen is that my credit be restored to the condition it was in prior to the fraudulent activity that I have proven does not belong to me. I have complied with everything asked of me by the creditors and the 3 CRA 's yet I get nothing in return but a fake credit file full of crimes not committed by me. All I ask is that these companies simply comply with my state law along with the FCRA rules and regulations. 

Thank you for your time and understanding. Hopefully together we can put this all behind us and carry on. 

At least the culprits are in jail. 


Sincerely, XXXX 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