Consumer complaint received 2019-05-04
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Experian Credit Bureau determined on their system that I have lived in Arizona. 
I called to remove fraud alert because I kept getting declined when I applied for buying a used car from XXXX XXXX. I got declined several times due to fraud alert. I have called other credit bureau and it got removed. Except Experian who refused to remove fraud alert. I failed to answer the question if I have lived in other state? One of the correct answer on their system is Arizona. I never live in Arizona so my answer was none of the above. Experian asked me about my relatives who have lived with me. I failed to answer those questions because I have never heard of those peoples names and last names. I failed to answer 3rd question about the company I work, because I never work in any of those company. Experian determined on their system that I work on one of the companies listed as multiple choice. My answer was none of the above, because I didnt work on any of the companies listed on their generated system.

I was asked to send my drivers license and upload to their system. I have tried all day. The browser timed out too fast no matter how fast I typed all my information on step 1. I was able to made to step 2 where I can upload my drivers license. Then I tried to submit to get to step 3. It did timed out and sent me back to the step one over and over again. I didnt get to do anything all day other than uploading documentation to prove my identity to remove the fraud alert on my credit report account. I have called several departments in Experian credit bureau. Unfortunately, none of them are willing to remove it because I failed those questions that are not pertaining to my information. I was asked to send information to them by mail. I dont want it, because its too late now because my credit score will be changed by the time ( if ever received it ) the information is received. Not my fault if their system browser is corrupted. Not my problem the false information on my address is incorrect and used it as generated questions to prove I am me. 
I asked that this credit bureau should not be use as a legit information keepers. 
Experian Credit Bureau is buying those information from illegitimate companies. 
The Experian company needs to be shutdown or penalize for reporting an inaccurate information on behalf of American people. This company have destroyed lots of peoples information. A good safe keeper should have accurate information on citizens information not buying information on every companies who are not legit. 
Experian Credit Bureau should make it easy on citizens to verify their identity by asking relevant questions pertaining to the consumers accurate information not wrong information. I have never lived in Arizona. I visited Arizona back in 2014 for a day. I left the next day. I meet with a friend coming from Ohio XXXX XXXX. 
I want the credit bureau to remove my fraud alert same as the XXXX and XXXX. The two companies have accurate generated questions on their system except Experian who has incorrect information used on their generated system as questions to verify proof of identity.

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