Consumer complaint received 2023-05-30
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:
CFPB complaint have been REPEATEDLY trying to fix errors on the credit report for months, with little to no results that I am legally obligated to receive as a victim of XXXX XXXX Financial exploitation, and fraud. 

I have submitted the proper FTC reports and a law enforcement report, but I am being continually denied the removal of all negative items. 

The agencies admit on the phone that I have followed the process and the items SHOULD be removed, but then blame things on an " automated '' system beyond their control. 

As a victim of XXXX when the authorities were called, my case was sent to the proper agency that handles XXXX  and XXXX ( APS/CPS. ) The " police '' do not handle these issues. No " police '' report was or will EVER be filed for this case. I am a former XXXX XXXX ( which can be verified ) and even tried to explain this over and over in detail. APS was the proper law enforcement agency in this case. That document SHOULD BE ENOUGH. 

Further, I was XXXX XXXX at the time these accounts were taken out etc, and LEGALLY CAN NOT BE HELD LIABLE FOR THEM much like a XXXX could not be. 

The APS report is a VALID AND LEGAL LAW ENFORCEMENT DOCUMENT, but the agencies continue to refuse to accept it. It clearly stated I was the victim of FINANCIAL EXPLOITAION ( fraud ) and noted that furniture etc was taken out in my name under duress ( another reason I could not be held liable legally. ) I was then told to file an FTC Fraud report - which I did - and in fact filed five of them, and everything would be removed. 

The agencies AGAIN moved the " goalpost '' and asked for more. 

I was THEN told that I needed to " file them with law enforcement '' even though the case is closed and has been closed by APS for quite some time. Once again, APS is the PROPER agency to handle this case.

I attempted to file the FTC reports with the " police '' but ( as I knew I would be told ) the police re-referred me back to the agency handling the case ( proper procedure ) and APS refused the documents as the CASE IS CLOSED. 

The agencies refused to acknowledge this once again and expected me to " force '' the " police '' to take items on a long-closed case, in the wrong jurisdiction, and to force them to not follow proper legal procedures- which NO ONE can do. 

I was also given a " generic statement saying that I was being refused due to them believing I might have submitted the matter in error, misrepresented an issue, or received goods and services or monies I should have been aware of. 

ALL THREE OF THESE STATEMENTS ARE EASILY REFUTED BY WHAT THEY HAVE IN HAND. 

1. I knew I reported it, as I have repeatedly spoken to them.

2. They have an APS report showing the fact I was a vulnerable XXXX  and exploited. 
3. They are aware SOMEONE ELSE was accused of XXXX XXXX and was indeed the one WHO WOULD HAVE RECEIVED THOSE MONIES OR SERVICES NOT ME. 

The agency has been IMPOSSIBLE to deal with as a XXXX individual and I have been outright denied an ADA request to submit documents electronically as I have no other means to do so. 

XXXX XXXX has gone so far as to block my online account completely and when I call I am transferred over and over intentionally until my call is dropped, often over an hour on hold. 

When I asked to speak to the ADA department or an individual who handles these requests I was denied or told no one is assigned for such matters. 

I was to receive a call back on multiple occasions to be supplied with a manner to submit documents but to date have never been contacted back by anyone. 

Please hold these agencies legally accountable and have these items removed. 

I have had issues submitting information electronically with all three agencies. 

Many of the account holders are selling and reselling them nearly monthly now that they are aware the items are legitimate fraud, and they will not be able to recover monies. 

The account holders simply send updated " information '' on the account and " verify '' it is correct. Of course, and the agencies are aware, even if it is " accurate '' it does not mean I am legally responsible for the accounts or took them out when not under duress or XXXX 

As a XXXXXXXX XXXX, forced to move with a XXXX XXXX  XXXX miles to flee XXXX  and XXXX, with limited income etc- it is IMPERATIVE these items be removed, or it will jeopardize my ability to get housing and services for my XXXX 

Please help XXXX XXXX

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