Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: PA
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:
THIS IS NOT A DUPLICATE DISPUTE! 
IT IS A COPMPLAINT REGARDING THE CONTINUED MISHANDLING OF THE CASE AND THE RESPONSES OF CANNED EMAILS WITH REQUESTS FOR THE SAME INFORMATION OVER AND OVER> IT HAS BEEN PROVIDED DOZENS OF TIMES. 
The information is attached here AGAIN and addresses the issue that the agency REFUSES to acknowledge the proper LAW ENFORENT agency and their report. It contains the FTC report as well. 
I am writing this letter as a response to the documents I am attaching as a formal complaint regarding Experian Credit LLC and their REPEATED ignoring my requests to block a legitimate case of fraud and identity theft. 
Experian, as I have complained about before, continues to send canned cut and paste responses from numerous employees that simply ignore my issues, and sidestep dealing with the victimization properly. When I have spoken to agents in person, they unanimously agree the items should be blocked and agree that the responses are not valid, and that the XXXX report that they have been provided with DOZENS of times is a proper law enforcement agency as they serve this role in the State of Pennsylvania for cases involving the vulnerable population. 
However, Experian continues to send contradictory and often unclear responses in the form of canned emails that agents place statements in in the wrong area and send multiple copies of these junk mails from numerous agents that never are the same or conform in any manner. 
The agency asks over and over knowing the situation has been handled properly and can not in any legal manner be handled in the manner they ask to submit the case ( which is closed ) to law enforcement. 
XXXX handles all cases involving vulnerable adults and children, and being in that section of society my case was referred PROPERLY to XXXX. XXXX addressed the case, and closed it. The police do not handle these cases, and I can not FORCE them to take the case now or then. I did attempt to file the report and FTC report, and was told the proper agency has handled this case and closed it and we can not and will not open a new case that has already been handled, or file a document of any kind in this case. I was further told if you want to refile the case, we ( the police ) would send the case to XXXX again and XXXX would provide you with another report not us. 
XXXX obviously has no case to reopen, as they handled this. 
Experian REFUSES to accept the XXXX document a legal law enforcement document from the State of Pennsylvania and block the disputed items on the report. 
Further, despite know I was medically incapacitated at the time of these issues, have added a statement that I was : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that you are seeking to block. 

Obviously Experian KNOWS that now of these reasons are REMOTELY VALID and I have addressed them DOZENS of times with them on the phone and in writing. 
I certainly have not made an error as I have challenged this DOZENS of times. 
I have misrepresented nothing and the XXXX document clearly shows this happened and lists me as a victim of Financial Exploitation which is a form of fraud. 
I COULD NOT and DID NOT receive monies or material goods as I was medically incapacitated, and COULD NOT HAVE KNOWN as I was a vulnerable and XXXX adult who was being financially exploited and THAT PERSON would have been the beneficiary not me. This is CLEARLY noted in the XXXX report which once again is the proper LAW ENFORCEMENT agency that is referred and handles this population. 
I have attached over and over a copy of FTC reports, Law Enforcement ( XXXX  ) reports, CFPB reports, letters, the proper ID, utility bills, demographic information, account information everything that Experian asks for dozens of times yet they continue to ask for it over and over ad nauseum and pass the buck to the creditors who simply want to force me to pay for things I did not do and hold me and my XXXX XXXX  son XXXX. 
Experian is CLEARLY aware that I am also a victim of XXXX XXXXXXXX and along with that XXXX child are fleeing the situation and are 1200 miles from home. They are making our ability to find housing and support ourselves impossible. 
Experian needs to block the items immediately, and simply stating that the vendor responded and verified this information belongs to you and is up to date does not address the fact that it is fraud and my name could have been made by the person ( s ) who victimized me as evidenced in the law enforcement report naming me as a victim in their possession. 
I am attaching, again all the information ( not listed above already ) to this document and adding multiple items that show I am a victim and have been attempting to address this for months if not years. 
Documents attached contain EVERY PIECE OF INFORMATION THIS AGENCY HAS ASKED FOR often MULTIPLE TIMES. 
I DO NOT think the agency is bothering to look at the documents now or in the past to identify this. 
These are the items in question, however there continues to be others as the agencies when they realize it is legitimate fraud simply resell it to someone else.

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