Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: TX
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:
Experian XXXX XXXX XXXX XXXX, Tx, XXXX In addition to everything listed below, Experian allegedly can not read or accept 2 government issued photo IDs, social security card, and a credit card system tax proof of ID, Social, and residence. Who gave them the right to gaslight documents sent via certified mail and issued directly from the government that allows them to exist?!?! Proof is attached. 

I reached out to experian via certified mail regarding a few accounts that they said were verified. In the letter I asked for all of the following : XXXX XXXX : The method of investigation Proof from the lender Proof of any payment made by me to the lender The business name and address of the lender along with the contact name for the Lender Any copies of any documents proving that I have any obligation to Global Lending Actual investigation and no e-Oscar Possible Finance : The method of investigation Proof from the lender Proof of any contract made by me to the lender The business name and address of the lender along with the contact name for the Lender Any copies of any documents proving that I have any obligation to Possible Finance Actual investigation and no e-Oscar XXXX The method of investigation Proof from the lender Proof of any payment made by me to the lender The business name and address of the lender along with the contact name for the Lender Any copies of any documents proving that I have any obligation to XXXX XXXX investigation and no e-Oscar. 

Experian has not mailed me anything. Theyve completely ignored the dispute. Its not important to them. Theyre betting that I would take no further action because theyre bigger than Congress and the law. 

They sent me an email saying not only are they not going to process the dispute but that they dont have to reach out to the lender at all. 

They are willfully allowing inaccurate information onto my report. They have completely failed to comply with the fcra. This is a failure to investigate and modify. This is a total Failure. 

I have attached proof of everything. Experian is pulling a XXXX XXXX because they know no one cares enough to stop them! 

XXXX Is the tracking number I am a XXXX man and experian wants me to come into direct contact with law enforcement when there is no physical danger. They are XXXX and XXXX. 

Their response ( this form will not allow me to upload more than 18 files ) verbatim is : XXXX XXXX XXXX, To view your rights, visit www.experian.com/fraudrights and www.experian.com/fcra. 
We are responding to your request that information in your personal credit report be blocked due to ALLEGED identity theft. In order to have the requested information removed from your personal credit report, you must send us a copy of a recent valid identity theft report ( an official report 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 : 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 and The filing date and case number Also enclose the below information with your request : One copy of a government issued identification card, such as a driver 's license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
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 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 above, 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. 
According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. 
We review and consider the furnisher 's or vendor 's response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information. as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. 

In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess. 
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! 



I am starting Here with this complaint. All I want is to be treated like a regular citizen!!

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