Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Creditor Name Date of inquiry 1. ) XXXX/XXXX XX/XX/XXXX 2. ) XXXX XXXX, XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX/XXXX XX/XX/XXXX 5. ) XXXX XXXX XX/XX/XXXX 6. ) XXXX XXXX XXXX XX/XX/XXXX Type of Business ( in order from top to bottom ) 1 ) Miscellaneous Department and Variety Stores 2. ) All Banks 3. ) Travel/Entertainment 4. ) Bank 5. ) Bank Credit Cards 6. ) Bank Credit Cards Credit Bureau ( Whom reported these claims ) 1. ) Experian 2. ) Experian 3. ) XXXX XXXX 4. ) XXXX XXXX 5. ) Experian 6. ) Experian //Actions- Credit Reporting Agencies ( CRAs ) shall hereby be known moving forth as Bureaus. I have personally contacted both the creditors and the credit bureaus and disputed these claims alone. All pursuant with the understanding followed by, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 

I am a victim of a high case of fraud, I have only begun studying on how to navigate this new reality of credit with research and proper knowledge. I discovered very quickly what kind of darkness has been happening throughout all of these years with out my conscious awareness or consent. Its time to put my education to work and I have decided its time to make calls and take control of this disgusting mess. I will be more smooth and open in writing with this introduction for the CFPB and much more unsparing in the letters awaiting the bureaus and creditors involved. 
Experian is one of the bureaus that claimed to have removed ALL of the unauthorized hard inquiries off of my history due to my request of placements and statements of multiple fraudulent reports, show casing the unverifiable sources connecting to my profile. XXXX XXXX is taking precautionary measures to insure they are communicating with the correct individual before any removal of such claims, even after openly discussing I have never incurred any debt, never activated a line of credit and no history of credit ever. This is why these claims were placed under fraud with an added security monitor as alertness of any further illegal usage of my identity. There appears to be fraud under my identity with XXXX as well, they treated me with the same skepticism as XXXX XXXX did. After contacting them both directly they are still unsure of the identity of whom is calling, Respectably so, In stating my answers orally as none of the above, when answering the security questions designed for me amongst the three bureaus. It rose suspicion upon their agents that I can not answer which banks are involved or which credit card accounts are currently activated, the existing loans or collections reported, etc. Understandably, despite the skepticism I immediately requested them to place those claims under fraudulent activities as well as any of the existing loans or collections to be frozen and investigated immediately. Only If this happens to be the true information held against my identity Illegally. I use a trusted third party credit monitoring system/service known as XXXX. This service allows me to pull a three-in-one credit report involving all of the three bureaus, accurately. In observing my report I was notified XXXX does not have any information of me being existent in their files. During my time of communicating with the agents from each bureau I took the opportunity and attempted to fix my general information such as Name, Date of birth, Current and Previous address, SSN, and Employment. I say attempted, under the confusion if these actions were implemented across all bureaus since XXXX XXXX and XXXX denied to give me validation, aside from Experian. However, the agents that were involved from each bureau assured me orally that the changes has been updated for my personal information. I had been given instructions to take action by the bureaus and begin contacting the creditors directly to dispute these claims I have encountered ( as done so already, in which they only sent alerts to the bureaus as to ensure them I have called and placed a flag on such claims yet I was informed they can not personally remove any history as that is the role for the bureaus to operate ). After that short briefing of knowledge I than requested for them to please delete all existing information from their personal system data base under my identity as so, they have obtained it illegally. The bureaus suggested I should seek into filing a police report as well and furthermore, to than compose a cover letter by following specific instructions as of what to include and a description of what it is that I would like to be done. This is expected to be sent through certified mail or fax. As for the Police report, it still is under construction as I have not approached them for I must attempt to obtain certain documents in order to file one and the process to obtain them is absurd. My case is known as a Ghost profile, therefore anything opened with my name is immediately fraud for I havent begun this endeavor of credit until recently ( 3 days ago ) meaning I have just began studying what goes into this process and discovered these harsh crimes.

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 explanation