Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: CA
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:
on XX/XX/XXXX I submitted a complaint to CFPB regarding Experian and XXXX lack of following the LAW. This was the complaint in provided ... .On XX/XX/XXXX I submitted an identity theft report notarized through certified mail to Experian explaining that two items that were not opened by me needed to be removed from my credit report FTC report # XXXX. By law these items must be removed. Experian has no proof that these alleged items belong to me and have lacked validation or proof that would require these items stay on my credit report. By law these items must be removed. If Experian continues to report false information they are guilty of 15 US 1611 for willing and knowingly reporting false information. Experian is nothing more than an elaborate mechanism developed to obtain information without the consent of the original creditor which is myself pursuant to 12 USC 1431. Per 15 USC 6802 Experian is not even supposed to be reporting any information about me unless it's under my consent. Per 15 USC 1681 no transaction arose by my social should be included in a consumer report. The definition of identity theft is no consent, and these accounts did not have my consent and were not authorized to be opened, nor does Experian or anyone else have the right to deny me my rights provided. Experian has not investigated if these items belonged to me or not and next I will take legal matters for non-compliance on Experian 's part. This is not accurate or fair reporting according to 15 USC 1681 ( a ) and I Demand these items be removed. 

After receiving my complaint Experian responded with this generic message... ..Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered the information you have supplied, including 3 attachments, through the CFPB portal and directly to Experian. In your complaint, you indicate that you have fraudulent items on your credit report. You request that Experian must delete these items. According to our records, 2 of the inquiries and the address you mention are not on your current Experian report. Per your previous requests to begin reinvestigations, we have been in the process of contacting the data furnishers to verify the accuracy of the information with which you disagree. Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review via US Postal Service. There is nothing a credit repair company can do for you, including removing inaccurate credit information, that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess. We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. Please confirm your identity by sending us the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement, etc. Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX For more information regarding your credit and answers to frequently asked questions, you may visit www.experian.com/blogs/ask-experian. Please note that you may submit your requests and/or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center at www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

First off Experian I am making this complaint on my own, and for you to assume I had some repair company do this for me is discriminating. Im sorry that I know my rights and as an aware consumer I've studied and learned about FCRA, Truth in Lending and other aspects of consumer rights. You seem to have been intimidated by my knowledge and verbiage of the law. Second I provided proof of identity this time and numerous times. Why would you send me a dispute results sheet if my identity wasn't verified ( attached in this complaint ), do you just send out personal information to people who didn't verify with identification, I think not unless you like violations, so please don't lie and use stall tactics to avoid taking responsibility for your actions. So the fact that you refuse to correct information after being provided proof of inaccuracy, by lying and assuming is a violation of defamation, and willful injury at this point Per FCRA section 623 and all you are doing is building a case for me for when I sue your company because believe me, I have paper trail of all you responses and lack thereof. Don't ever assume a natural person who knows their rights, doesn't have the capability of research and educating themselves on the laws that are out here for everyone to see.You have no RIGHT to make those statements, and definitely no proof, and honestly I'm offended and my intelligence is insulted by such a comment. I assume you don't know the laws because otherwise you wouldn't have responded with that assumptive response, and as we know assumptions do not hold up in the court of law, especially from a credit reporting agency ( not Bureau ). So I tell you this, continue to break the LAW and create your own rules and we'll see how that holds up after I invoice you for the violations you committed, and prepare my documentation to take you to court for civil and criminal damages.I didn't request that Experian must delete these items. I requested you follow the LAW and By law these items must be removed which I've already provided you in my previous complaint and again for you in this response letter in case you missed it again. So unless your company thinks you're higher than law good luck with that. So this can get settled the right way or we can continue to fuel my case. I didn't write the law I just now how to follow it in such unlike your third party company.

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