Consumer complaint received 2024-02-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Attorney of General District of New Jersey XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX Dear sir, I have decided to write a letter to you because of the request of Experian employee to ask you the state laws regarding the credit repair companies, which offers some kind of services to the customers who need the credit repair to my CFBP report ( XXXX ). As far as I understand myself, I do not think myself who need the credit repair by the credit repair companies ; however, since this employee of the Experian asked me to beseech you to contact for the necessary information for some kind of recovery. I do not think this recovery means recovery of credit debt, since I pay off every month whatever I used by the credit cards. I do not own any property ; therefore, I do not have any loan. So, this alleged repair must have meant the different issue which I am facing now, identity theft ( report number XXXX ). I have the doubt this Experian employee ( XXXX ) understand my situation of identity theft because this office constantly has sent me the reports, which changes the content sometimes whenever I made a complaint to CFBP. I just requested to answer why duty alert was added at first, even though it was deleted, and why my main bank credit card information was in dispute. I have not received any answer on duty alert. I believe I have the right to know the reason as a XXXX XXXX  who do not have the responsibility to serve the army of the United States, especially, as far as I remember, XXXX do not have the military. I believe this is the etiquette and the attitude of the XXXX XXXX toward the XXXX, who became a victim of identity theft ; otherwise, there might be a suspicion this Experian employee might be a complicit of identity theft, since this employee can not explain the situation. This suspicion was strengthened by the review on another CFPB report ( XXXX ). Here, the Experian employee stated alleged identity theft toward me. I received the identity theft report on XX/XX/XXXX of XXXX. I have never expected this. I just started to claim due to the dental grievance. I did not recognize any serious issues or debts on my credit reports at first, except duty alert, which was unfamiliar and not understandable for me, since I was a XXXX XXXX. This statement of Experian employee, alleged is indignant because this person does not have the capacity to understand the series of trials and challenge which ended to the filing to the court ( XXXX ) at the end of XXXX. I filed it because the envelop was mailed to ask me to file, in the middle of chaos to understand the meaning of happenings by filing toward the credit report companies and other financial companies. I paid {$400.00} as fee with a question what it meant. Fortunately, some of my friends it was an experience of learning. 
Secondly, I have received the identity theft report from the XXXX and I am trying to recover my identity following identitytheft.gov. However, the review of Experian employee on my CFPB report ( XXXX ) said the identity theft report should be included the following information *When the loss or theft of personal information occurred or when the fraud ( XXXX ) occurred. Toward this, I want to ask when and how the identity theft happened. The identity theft report was sent without warning after the fraud and illegal usage of my credit cards. If this employee asks me to provide this information, I need to give him/her the private information ; therefore, it is not allowable. *How you discovered and learned of the theft. I learned by the identity theft of your government of the United States. If this employee considers this report is not authentic, he/she needs to give a proof. I believed this one is authentic and spent so much time to file on XXXX and CFPB more than XXXX cases. *Any known information about the perpetrator. I do not want who were perpetrators myself since I filed so many by myself. If he/she wants to know who he/she is, just ask the police or any other authorities which are in charge. *The names of creditors and account numbers involved in the theft. I can tell the name of credit card provider, who issued the new cards 5 times. I do not want to get any other credit cards at this moment until I am sure the American society is reliable and safe to use the credit card without hacking and illegal usage. *Name and/or badge number of the law enforcement personnel who processed the report. I do not know any law enforcement personnel who processed the report. I just received an identity theft report by email. *The filing date and case number. As far as I know the email was sent on XX/XX/XXXXXXXX XXXX XXXX. I can check when I filed the reports on XXXX and CFPB with filing numbers. But I am not sure whether the employee has the right to see these personal reports, as one private company employee. I would like this employee to indicate he/she has the right to see all these files to have submitted to the governmental organization with legal authorization. There are no voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof as this employee stated. Since this employee continues to state as if I am not an identity theft victim, I request Experian company itself to prove or not that Experian has received the documents for the extended alert, which I have sent several times. I believe they were good enough to show I was an identity theft victim. I want to express the gratitude to this Experian employee to explain in detail what and how the identity theft happens. Therefore, somebody must have made the credit card account and got a loan in my name. In that case, I have the right to ask the governmental organization of the United States to investigate this matter for me to protect me to live safely in this country, the United States, without facing any problems on this illegal usage of my name and identity. As this employee stated, I request the agency will make sure I will not have any bills occurred by the identity theft, which means I will not have any responsibilities to the bills made by not me. That means those which I have not bought, even though I have the slight question how this employee can prove which credit cards are illegal. I tried hard myself not to happen this illegal creation of the credit cards in my name after the FTC identity theft report was sent. Therefore, the entire content of this review by this employee is disgusting and harassing the feeling of identity theft victim. I want to ask this company, Experian, whether this company and its employee ( XXXX ) has/have the right to harass the ordinary person to treat the identity theft victim as if not identity theft victim, especially, in the case of a XXXX XXXX 
This employee states something about the business. Entire section regarding this comment does not make sense. As an individual XXXX XXXX, who has a business which registered name does not relate my name and personal identity, I might need to ask the reason why this employee has stated something about business. I need to mention this because my court file name is XXXX XXXX XXXXXXXX. Since I am an educated XXXX with some higher education degrees, I am not used to be called my first name, especially in public, for example, legal file. As my first name should be meant an individual, I have some doubt, from the beginning, why I was asked to file to the business, XXXX. Kindly, this employee mentioned the SECURITY FREEZE, which I already did, without any concern of future loan, credit mortgage, and credit extension. As a victim of identity theft, I do not feel to get a new one, because I do not believe anyone, especially, if you see the credit extension during the recovery process without my request. I kindly ask thy company not to mention same content twice for the reader, especially, if the content has the character which cause the unpleasant impression of intention of review. 
As this employee stated in the review, please submit my dispute question how duty alert was added and why my credit card information ended up the dispute later after the proceedings of recovery due to the identity theft to the furnishers or vendor, which I do not know who they are, for the clear and concise explanation to make me understand the reasons of identity theft itself. I request this employee to tell me which public agency I should ask to get the answers above mentioned questions. 
I am looking forward the answer from the employee of credit report company, Experian. 


Sincerely,

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