Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX My ex wife tried to buy a car from XXXX XXXX XXXX and they pulled my credit without permissible purpose. I disputed this a couple of months after finding it out. Then I filed a CFPD Complaint on XXXX XX/XX/XXXX. I named Experian for not deleting the hard inquiries for this date. I supplied a letter from XXXX XXXX XXXX that said they did not have permission to pull my credit and said who it may concern to remove the hard inquiries. 
A few days ago I contacted Experian by phone and they removed the Hard Inquiries. Also I was sent to the Fraud Department and they asked me if I wanted to be put on a Fraud Alert. I asked will it hurt me. They said no. 
I received an Alert From Experian XXXX XX/XX/XXXX that my Address was flagged as less than 90 days old. I called Experian around XXXX eastern and voiced my complaint about them saying my address was less than 90 days old was a result of my dispute with CFPB and felt they were mad at me. They said no it was a pleasure to serve me. The lady said I could not validate my address over the phone that I had to send a copy of my Drivers license and Social Security Card in to them. I said you have a copy of them in your possession. I said this because they are actively disputing items with that address and they cant be entered into E Oscar without these items. Also I have been actively disputing items since about XXXX or XX/XX/XXXX and my Drivers license issue date is XX/XX/XXXX which they have copies of. This is over 90 days. 
I said are you sure you can't verify my address over the phone? the lady was very rude and said she could verify it over the phone after all when I said make sure that's the rule. She did verification using my drivers license information in a series of questions and personal information like SS number. She kept the XXXX XXXX and I asked to put my home address on there which was already on my report too. She said she could only put one address on there. I can't get mail at my home, there is no mail box. That's why I have 2 addresses. Experian has been sending all my disputes to the XXXX XXXX for months now. All my disputes have my mailing and home address on them. If you look at any of my CFPB Complaints all those documents show how they receive my disputes. At around XXXX XXXX XX/XX/XXXX I received an email saying I need to send them a drivers license and Social security card because my account is flagged as Fraud. I accepted the Fraud Alert on my Credit thinking it would not hurt me, but it has. I am not protected by it, I am a victim of it by Experian. It makes me feel like they placed the Fraud on there to make it look like I am committing the Fraud because of the CFPB Complaints and their actions are backing up that feeling I have. I am removing my Fraud Alert in the Morning so I can go on with my life without being a victim of them using the Fraud Alert to make my life uncomfortable because I pointed out deficiencies in the way they handle disputes. If they are able to slow down my disputing by these tactics they will prevent me from making financial purchases as well.

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