Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: GA
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:
I submitted a request for Experian to block fraudulent information on my credit report. I submitted a police report that I filed in person, an identity theft affidavit that I filed with the Federal Trade Commission, my driver 's license, social security card, and a copy of a recent bill with my request. When I reviewed my credit report I did find that Experian had blocked the majority of the information from my credit report that I had sent them via certified mail with the exception of (  XXXX  ) accounts, but these accounts were also listed i my list of fraudulent items to be blocked from my credit file. I do n't understand why Experian chose to pick and choose the accounts that they would block from my credit file when I plainly told them all of the ones that were as a result of identity theft. The accounts that Experian refused to block were as follows :   XXXX   XXXX    XXXX  Account Number  XXXX  this is a fraudulent account and should have been blocked with the rest of the items that I identified to Experian were fraud.   XXXX   XXXX   XXXX   XXXX   XXXX   Case  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Case  XXXX  Both of these bankruptcies should have been blocked too because they were both fraudulent/not mine and I plainly explained that to Experian by phone and by certified mail. They claim this fraudulent information was provided to them by  XXXX , but regardless they are continuing to report information that they have been made aware was as a result of identity theft which makes them just as liable as   XXXX   XXXX  .
 XXXX  was also sent a certified letter making them aware that they were reporting a bankruptcy under my name and social security number that did not belong to me.   XXXX   XXXX   never did respond to my certified letter and continue to report the same fraudulent information. I have tried to resolve this with both companies in professional manner but they both feel that they do n't have to honor my request. It seems they do n't know what the phrase " I was a victim of identity theft means ''. These companies want to tell you that they verified your name and social security number and address, birthdate and so on and so forth, but if they were very well versed in what Identity Theft is they would know that means that someone has used all of my correct personal information to open fraudulent accounts to include credit accounts, bank accounts, bankrupticies and all of that. They simply do not care they would rather punish me by continuing to broadcast this fraudulent information which is also defamation of character when i have told them that it is inaccurate and fraudulent and then they continue to do so. They are willfully and maliciously continuing to report information that both companies know to be false/fraudulent.

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