Consumer complaint received 2017-11-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX : Experian REFUSE to BLOCK Tradelines Reported as Identity Theft AND EXPERIAN HAS FAILED TO PROVIDE THE RESULTS OF WHATEVER INVESTIGATION THEY ARE MANDATED TO COMPLETE WITHIN 4 BUSINESS DAYS, FOR THEIR REASON ( S ) TO DENY MY REQUEST It seems Experian has zero fear and zero respect for congress, Federal laws, the lives of Consumers, Federal and State Courts, The FTC or any other government agency and Public Servant. As a result, my employment is at stake and I may lose my job before the end of this year. If that happens, at my age, my entire life, which I have lived with honor and integrity, abiding by all rules and laws, may be ruined. I am too old for any other corporation to hire at a salary anywhere near my current salary. 

I am a victim of Identity Theft, I also had a membership with XXXX in XXXX,XX/XX/XXXX and the beginning ofXX/XX/XXXX. A few months ago my insurance rates began increasing significantly, then a credit line was decreased. I began receiving calls and mail from collection agencies for accounts I never applied for or had, but havent used in some time. Therefore, I researched steps to take through the FTC website at the following link : https : //www.consumer.ftc.govXXXX I followed the Steps set forth by the FTC exactly as they were explained by providing the following : Copy of ID Theft Report Proof of my identity Copy of the Fair Credit Reporting Act Section 605B I even went further by providing : 4. A notarized Affidavit and copy of my recent Checking account statement as proof of my identity and address 5. A copy of the Request to Block unauthorized Charges from credit report under FCRA 605B Document Identity Theft.gov provides 6. Copy of a previous complaint I filed against XX/XX/XXXXback in XXXX, with the CFPB # XXXX, confirming I have been attempting to have an Alert placed on my credit reports due to suspicious activity. 
I did not and will not provide a copy of my drivers license or any other personal documents since these companies have proven many times they can not protect this information. I am certain 100 % of the voting public feels the same way, not 90 or 95 %. If anyone can find a citizen who is of right mind that disagrees I would be shocked! Therefore I provided a Notarized AFFIDAVIT ( see attachment ) from my local credit Union. The Affidavit states the notary verified me by my Passport, drivers license and proof of address. This is FAR more accurate. Anyone can send a copy of a drivers license not belonging to them. But, to have another person as a Notary Public who is an official of integrity appointed by state government conduct an in person verification brings a greater amount of certainty. 

Regardless and incredibly, Experian has refused to block the accounts I have stated through numerous reports, were the result of ID THEFT. Experian provides no reason why and alternately they placed a 90 Alert. As a result, my auto insurance has doubled from $ 1900 yearly to {$3500.00}. 

This was to be a simple process, Ii can attest it is not. When a tax paying senior citizen works full time, finding the time to contact and get information from the furnishers and/or banks ( have you tried calling customer service lately? Expect long holds and hours on the phone for each incident, then gather documents, make copies, fill out reports, researching laws and my rights, getting to the post office to send by certified mail. 

as I read 605B there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It 's not ).
2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ).
3. If they had knowledge the consumer received goods or services with the transaction ( again, how could a CRA have any knowledge to this one way or the other ). 

The CRA, thereupon, is required to block the publication of this information within four business days and to give notice of the block to the data furnisher,71 and the data furnisher is required to maintain procedures to prevent the further publication of that information to other CRAs

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