Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: OH
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:
Dear FTC and Cfpb, ( See attached all violations are marked up ) I can not seem to come to a reasonable agreement with especially Experian, and XXXX and XXXX. I have been disputing the same items that were the result of identity theft since XX/XX/2022. It is now XXXX XXXX XXXX. 

I understand that you guys can not act as a lawyer but if there is any possible way that you guys can step in and take authority with the Bureaus bad business practices and make sure that I am given my desired resolution. 

Yesterday XX/XX/2022 I spoke with Experian with several agents. ( XXXX XXXX XXXX dept. 
XXXX  - fraud dept ) And actually all agents stated that they could not disclose how furnishers report things on my consumer report. the reason that they can not disclose that, is because they are paid by the furnishers to put information on my consumer report which is totally illegal. I have suffered great damage because of their bad business practices I have been more than nice to them. One agent stated that all the furnishers/creditors have to do to report information on the consumer report, is to send them the information that they want to be reported, I asked that agent what are the steps that they took to make sure that they had my permission to report that information on my consumer report. that agent stated that they did not need my permission, And according to the law that is very untrue. ( see attached ) I have been trying to get these transactions off of my consumer report since XXXX. 
these transactions on my consumer reports are the result of identity theft. I have a copy of the letter that Experian sent me stating that my last identity theft Report was made an error. how is it possible that I can go to identity theft.gov and make an identity theft report, in error? I have sent them all the requirements needed to send along with the identity theft, I have sent them the report I have sent them my Cfpb complaints, I have sent them inaccuracies on my credit report, I have sent them a letter stating that the transactions was not any transaction made by me, and that they were an result of identity theft. Experian has refused over XXXX times to delete this information off of my credit report. According to Congress, the consumer reporting agencies are supposed to act and do whatever is in the best interest of the consumer. they are supposed to do what is fair and equitable to the consumer, however they fail to do that and only do what is fair and equitable to the furnisher or creditor. Attached below I have submitted all of the paperwork that shows all of the violations on their end. While speaking with Experian today, I asked him to delete these accounts that are the result of an identity theft off of my credit report. they said that their policy is that a dispute must take up to 30 days, I informed them that according to the law any items that are the result of an identity theft must be deleted no later than XXXX days! 
they said that they could not go by what the law says because that is inaccurate. How is it possible that the law is inaccurate? I have made more than enough attempts to get these accounts deleted from my consumer report, but Experian does not care simply because they only care about the money that is paid to them in exchange to furnish negative activity on my consumer report which is illegal. 
All agents told me several times that they did not need my permission to furnish anything on my consumer report, because there is a law that states that the furnisher/creditor is allowed to furnish things on my consumer report I told them that that may be correct however they are still required to have my written permission to furnish anything on my report. Experian and the other two credit bureaus have stolen my identity several times by sending off information that relates to me, the consumer, such as my Social Security number, my address, my name, or my ID. And according to legal definitions that is what identity theft is. They literally steal my identity on a daily basis for their financial gain. Attached below you will see all of the violations. there are over XXXX violations and I have suffered very great damages because of their bad business practices. I now ask that the FTC and CFPB steps in to make sure that I receive my requested resolution. 
And in the meantime I will consult legal counsel and start a lawsuit against them. I can assure that I will win this lawsuit simply because I have way too much proof to use against them. I am no longer being nice if the Ftc and cfpb could step in and help me get my desired resolution that would be great!

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