Consumer complaint received 2023-06-06
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: Their investigation did not fix an error on your report

Complaint:
Over the past year I have been trying to get my financial picture back in order after being a victim of identity theft and having several credit cards, etc opened in my name and ran up the balances on the cards and left me to deal with this nightmare. I have done everything on my end to handle this issue the right way and following the process. I have submitted disputes directly with the three credit bureaus, I have updated personal information to ensure my credit report shows the most accurate name, address, social security number, date of birth, employer, etc. I have also changed all passwords to logins I have for my banking and subscriptions and I have went fully digital in regards to receiving mail to ensure nothing is stolen or tampered with from my mailbox. After several months of disputing these fraudulent accounts, I decided to file a police report as well as an identity theft report in the hopes this would expedite and finalize the process of undoing the mess I have had to endure because of identity was stolen. After submitting another several rounds of disputes with plenty of paperwork and proof that I am a victim of identity theft, two accounts have remained and are not following FCRA laws, which states that if I provide a police report and an identity theft report, the fraudulent accounts must be removed from my name and social security number and that information be blocked from reported on my credit reports. Experian on multiple occasions has conducted improper investigations and has dismissed the police report, the identity theft report, has violated several FCRA laws, and they have never validated the debt or legitimacy of the accounts. My husband also passed 6 months ago and the fraudulent credit card accounts reported by XXXX XXXX XXXXXXXX and XXXX XXXX are not allowing me to purchase a home for my children or find a better job as they pull my credit and judge me based on accounts I never opened, authorized, or consented to. I am extremely upset and this is my last attempt with Experian to have them remove the accounts fraudulently reported by XXXX XXXX  XXXX and XXXX XXXX. If this issue is not resolved and removed and permanently blocked from being reported on my Experian report, I will file a lawsuit against Experian and I have all the trails of paperwork and responses to without a doubt prove multiple FCRA violations which equates to XXXX XXXX XXXX in monetary damages, not to mention the physical and mental monetary damages this has caused me and my family. I need Experian to be held responsible by the CFPB, however my only end goal is to have those fraudulent accounts reported by XXXX XXXX XXXX and XXXX XXXX  to be removed and permanently blocked from being reported or associated under my name and social security number. Thank you to the CFPB and god bless.

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