Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have had a credit freeze on my name that I filed about two weeks ago with identitytheft.gov and I believe CFPB. 

While putting the freeze and fraud alerts on my account I was transferred to a new department called XXXXXXXX XXXX. I asked what the benefit to signing up for a memebership is, thinking that likely it would be credit monitoring and access to information that is on my credit report so that I can begin cleaning it up. 

The next day I was looking at my credit report, and there are a lot of inaccuracies. Also there are a lot of things reported on one bureau but not the other two, and vice versa. So I called in, and was put straight to XXXX XXXX, who has nothing to do with credit and hung up on me a few times for asking why then, on my XXXX XXXX dashboard, are you showing the same credit card that has simply expired and been replaced, and is now a XXXX balance as of this week, as 7 separate credit lines that total {$16000.00} in negative credit on my XXXX XXXX profile, despite them telling me that they don't have access or anything to do with my credit profile. 
I have a recording of a 7 hours of being transferred from membership to fraud, fraud to membership, a few people telling me that they are just going swimming soon and don't really care about this job if they are being honest and are located in XXXX XXXX. That call ended in none of my basic questions even about XXXX money as a new customer of a new product. 

I was also told that a perk of signing up there is that they are experian and can make my money move faster than most banks. Now they are telling me that one of my money will be available until wednesday next week, at the same time as telling me that they " Guarantee 100 % that it is posting right now and will be available yesterday '' like they told me when I opened my account. Nothing is available, and I have no money because it has been either stolen by whoever I am blocking with the freeze and fraud alerts, or sent to smart money, to pay for premium with even if I trusted them as anything other than a Racketeering monopoly. 

The last person that I was on the phone with last night was supposedly another manager, who picked up and said " this is XXXX the supervisor. '' Then put me on mute, and stayed connected for an hour and a half before I hung up. Again all of this is recorded, and I am looking for whomever may regulate Experian. If that is nobody then they are indeed a XXXX, XXXX organization, who controls every XXXX 's personal information for as far back as they'd like, as shown by the fact that I have XXXX in negative credit reporting from a department that says they can't even look at anything that has to do with credit. 

I called again today because this is important. While looking at my credit profile it suggested that I need to lock my credit profile. It was locked along with the freeze, and fraud alerts two days ago. Now it somehow is not. So I clicked on their check box to lock it since I have premium now that I have a smart money account, and it asked me to upgrade to premium for {$29.00}. At the very least this is fraud through deceptive activity, theft of my credit profile by deception, and I am of the opinion that a XXXX case can easily be made from this recording. 

I hope that you have some sort of jurisdiction over the way that Experians managers act. One of them claimed to be the " Pirate king of the whole company. '' But when pressed about serious issues, he simply agreed that they are his fault if he is the pirate king, and then hung up on me. He is the manager of the membership division from what the previous person told me. His name is XXXX, employee number XXXX, XXXX is the number directly to him, or so he told me.

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