Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
2-3 years ago I sent letters to all 3 reporting agencies due to receiving my mail opened and sometimes used for toilet paper by XXXX people. I never have important documents sent to my street address living in XXXX XXXX. Now I do not use a street address for anything I can avoid due to security that should be my prerogative. 

The letters seemed to clear things for a short period until just the other day I had a friend who works near where i live hand me a declined notice for credit that had been opened and laying on the street.  Experian decided it is their policy to not pay attention to my very important request to not send mail to my street address. ok ... 

I call Experian and told I can only communicate via usps*. I try to login and my account is frozen even though i am subscribed to get reports each week or when something changes on my credit. They locked me out of my account. I can not speak with anyone. 

The letter that denied me a gas card says, I MUST CALL THEM*, they can not verify who I am since my address did not match when I applied for the card. I used my POB since that is the correct address and not the street because I can not have mail go to street. I am seriously needing to figure out why suddenly my street address is being used and can not even communicate with the agency ...? Agent : " agency ''? Is there no fiduciary obligation to the consumer as an agency ...? Why is all the protections set up for businesses to do as they please with our credit? 

What is the impact on a consumer when the Credit Reporting Agencies XXXX with our credit and ability to access and communicate? I'll tell you ; Ability to get a rental, ( shelter ), ability to get a loan for a purchase such as a car or home, ( shelter / livelihood ), Auto Insurance now too ... yes! our auto insurance is now based on our credit scores. 

That is not the end of the list but being that it has everything to do with our ability to have shelter and create a logical and sustainable livelihood, this takes my complaint from unethical to unconstitutional. 

There must be standards put in place that actually protect the consumer from the systems that are using consumers as commodities without regard as to our ability to sustain. 

I DO expect something to be done about this problem. Having worked in mortgage banking and fraud investigations myself I can say I have seen what should be illegal activity from all credit reporting systems and the use of people like cattle to create a monopoly labyrinth that is near impossible to navigate. 

People 's lives are at stake and these companies are walking all over us. Why have we even gotten to this point? Makes many of us feel this is an agenda and establishments that are supposed to protect us, such as CFPB, are turning a XXXX eye. This is NOT new NEWs!

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