Consumer complaint received 2020-03-02
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:
According to FCRPA, the consumer should be notified and provided documentation of proof and 45 days to dispute or confirm the debt. I wasn't given that opportunity. I called after I received a Credit Monitoring Alert to find out what was happening. I have made several attempts to clear this issue  with the companies and Experian. I received an accounting of adjustments in which I told them none of the purchases were mine. It appears they agreed because they made adjustments which should have zeroed the account out.Although I moved back into my home in XXXX, experienced XXXX XXXX and a victim of Identity theft, Experian refused to block the derogatory information from my credit report. I have never order anything from XXXXXXXX and XXXX and XXXX in which they agreed and told me I would receive a FTC Identity Theft packet. As of 3 - 4 months, I never received the packet so I completed the Identity Theft on the FTC website. I forwarded all the information from FTC, police incident number and the time frame I did not live at my home. Due to Hurricane and amount of my homeowners insurance, I moved out because the home wasn't livable.The companies states the purchases were sent to the house while vacant. Due to the house being vacant, it was burglarized and information and my remaining items were stolen and vandalized. Previously, I resolved other issues with companies under XXXX XXXX without any issues. These companies do not notify the consumers of any issue that suspicious or no response from the consumer. On XX/XX/XXXX, these companies placed derogatory and fraudulent accounts on my credit reports with other credit bureaus removed the information. Due to all the fraudulent activity, I placed an extended Fraud Alert which worked for a while but the activity continued. Then, I placed a freeze on all credit bureaus to stop the activity. Although there was statement an phone number to contact me before opening any accounts and/or any purchases. Although the phone number away from was different it was provided in the statement on my credit report. I did not receive any calls to confirm that I purchased or open accounts. I later found out that XXXX XXXX companies sell customer information to subsidiaries and/or affiliates for more revenue. In researching I found that there are issue with this group of companies on XXXX  Alert as follows : Recent Fraudulent Activity Recently many businesses, in a variety of consumer related industries ( credit cards, mortgage lending, health care, etc. ), have seen increases in attempted identity theft. While our existing security procedures prevented the overwhelming majority of the fraud attempts from being successful, we dont catch them all. As a company, we take this very seriously and are constantly vigilant in taking steps to counter these attempts. In addition, all of our retail companies are working diligently to investigate and resolve all consumer complaints related to this issue. 

If you have received an item from one of the following - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX, XXXXXXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX or XXXX XXXX  XXXX - that you did not order, or you received a notice indicating advance payment is required for an item you did not order to be shipped, you may be a victim of this fraud. 
I wasn't notified even though I contacted with the same issue. 
Now, Experian is refusing to block the fraudulent account/accounts before I either knowingly knew about the or it was in error. I feel the issue they are having is an inside job and placing burden of proof on Senior Citizens so we'll pay for their diligence. If you review my credit file, you will see I pay my bills on time but I will not pay a debt I do not owe. This company is depending on the fact my credit is reasonably good that will pay the fraudulent debt. I WILL NOT PAY A DEBT OF DO NOT OWE!

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