Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: TX
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:
This has been going on for too long. If this is not resolved I will be obtaining legal help to go after Experian as well as XXXX XXXX. I am the victim and I have to jump through hoops while the person that used my good name and information is spending their time on some type of new furniture. 

Why did I get the below email? 

The police report was done with the XXXX County Sheriff 's Office, which is my local police department, I am confused as to how that is not a law enforcement agency. I also filed a report with the Federal Trade Commission, which was also included in the pdf file that I sent. All the information you state you needed, which I copied and pasted below ( all of the bulleted items ) was included in what I sent to XXXX via this same email address at XXXX on XX/XX/2021. 

The specific dates are in the police report and Federal Trade Commission report, how I discovered the fraud is in both reports, the known information about the perpetrator is in the reports, the name of the fraudulent creditor and the fraudulent account number is in the police report, the name of the deputy that filed the police report IS IN the police report, the date the report was filed and the police report number IS IN the police report. A copy of my driver 's license IS IN the file that was sent to XXXX on XX/XX/2021. A copy of my utility bill was sent IN the same file that was sent to XXXX on XX/XX/2021. 

I spent an hour and a half on the phone today ( XX/XX/2021 ) with XXXX a Fraud Resolution Supervisor, going over all of this, therefore, I am thoroughly confused and beyond frustrated that I am receiving this email from Experian at XXXX on XX/XX/2021!!! 

In addition, I received another email from Experian at the exact same time as the one below at XXXX, stating that you will not remove the fraudulent address that's associated with the fraudulent account from my credit report because other accounts on my credit report have that address, THAT IS SIMPLY NOT TRUE, NO OTHER ACCOUNT OF MINE IS ASSOCIATED WITH ANY ADDRESS OUTSIDE OF MY XXXX XXXX XXXX XXXX, TX OR MY ACTUAL PHYSICAL ADDRESS IN SPRING, TX ( WHICH IS A SUBURB OF XXXX , TX ). I have lived in the XXXX, TX metropolitan area for 16 YEARS!! 

Specific dates such as when the loss or theft of personal information occurred or when the fraud ( s ) occurred, How you discovered or learned of the theft, Any known information about the perpetrator, The names of creditors and account numbers involved in the theft ; Name and/or badge number of the law enforcement personnel who processed the report, The filing date and case number.

In addition, please enclose one copy of the below information along with your valid identity theft report : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years -- -- -- -- -- Forwarded message -- -- -- -- - From : Experian XXXX Date : Wed, XX/XX/2021 at XXXXXXXX XXXX Subject : Important Information To : XXXX XXXX XXXX XXXX XXXX XXXX, It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information.

We are responding to your request that information in your personal credit report be blocked due to alleged identity theft. We are requesting additional information that you must provide in order for us to act upon your request. However, we have conveyed your dispute to the furnisher ( s ) of the information directly. If you disputed a public record item, we conveyed your dispute to the vendor that collected the information from a public record. Once the dispute process is completed, we will notify you of the results. 

If you still wish to have this information blocked, please submit an identity theft report without the deficiencies noted at the end of this letter. 

A valid identity theft report is an official report specifically complaining about identity theft that has been filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service, or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false. The identity theft report should include as many of the following elements as possible : Specific dates such as when the loss or theft of personal information occurred or when the fraud ( s ) occurred, How you discovered or learned of the theft, Any known information about the perpetrator, The names of creditors and account numbers involved in the theft ; Name and/or badge number of the law enforcement personnel who processed the report, The filing date and case number.

In addition, please enclose one copy of the below information along with your valid identity theft report : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Also list each account and account number and any other information that you believe appears on your credit report due to identity theft.

Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.

To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

If you do not provide Experian with the required information specified below, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked. 

The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here!

PLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses.

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc. Other product and company names mentioned herein are the property of their respective owners.

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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 non-monetary relief