Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: DC
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:
None of the 3 credit companies addressed my complaints. 
None addressed my request for an extended security freeze. Several asked for my personal information to be resent. Several misrepresented their replies to earlier complaints. That is, NOTHING was done. I have done nothing wrong, but the agencies chose only verification addresses where I had never lived. That is, they refused to verify any of my financial transactions. 

My letter to Experion XX/XX/XXXX requested a 7-yr Security Freeze, provided personal information, and ended with XXXX XXXX XXXX and utility bill are attached. 

Please send confirmation that the seven-year Security Freeze is in place. 

I previously had a one-year freeze on my credit reports, however, their fraudulent slander continues. There has been no resolution of the fact that I can not be verified because the verification process uses a New Jersey address of someone else, who the credit card companies say once claimed my SSN. It was never my address. 

XXXX recently provided account review inquires ( XX/XX/XXXX to present ). Although I have done nothing wrong, an inquiry by XXXX XXXX ( XXXX  ) resulted in the refusal of XXXX  to consider granting me a certificate of deposit because XXXX  claimed that I could not be verified by XXXX. An inquiry by XXXX XXXX XXXX also said that I could not be verified by XXXX. This resulted in the company insisting that I go to pay monthly rent in person at a XXXX across the city, rather than mailing a monthly rent check. XXXX penalizes me by making it impossible for me to have any normal financial transactions ; even though I have done nothing wrong. After years of targeted harassment by your agencies, I prefer not to use credit. 

XXXX said that I have been on their files since XX/XX/XXXX, but their recent full credit report missed the last 41 years. I have done nothing wrong. The failure is the credit agencies failing to secure data for hundreds of millions of Americans like me. 

No information on credit agency reports suggests that my earlier letters and complaints have been read. Please, put the 7-yr Security Freeze on my credit reports. 

My reply to XXXX XX/XX/XXXX A 2-pg reply from XXXX dated XX/XX/XXXX was received XX/XX/XXXX. It claimed to contain a full copy of your credit report. The first page said that my credit score was unpurchased, the grade range was unavailable, and where you rank is unavailable. XXXX offered to send a credit score for {$9.00}. 

The second page claimed to provide my personal information ( former addresses, phone number, and employer ), and account review inquires ( XX/XX/XXXX to present ). Although I have done nothing wrong, the inquiry by XXXX XXXX ( XXXX  ) resulted in the refusal of XXXX  to consider granting me a certificate of deposit because XXXX  said I could not be verified by XXXX. The Inquiry by XXXX XXXX XXXX also said that I could not be verified by XXXX. This resulted in the company insisting that I pay my monthly rent in person at a XXXX across town, rather than mailing a monthly rent check. XXXX penalized me by making it impossible for me to have any normal financial transactions ; even though I have done nothing wrong. 

I previously had a one-year freeze on my credit reports, however, their fraudulent slander continues. There has been no resolution of the fact that I can not be verified because the verification process uses a New Jersey address of someone else, who the credit card companies say once claimed my SSN. It was never my address. 

XXXX said that I have been on their files since XX/XX/XXXX, but this report missed the last 41 years of my full credit report. The failure is the credit agencies failing to secure data for hundreds of millions of Americans like me. After years of targeted harassment by your agencies, I prefer not to use credit. 

No information on the XXXX pages suggested that my earlier letters and complaints had been read. Please, put the 7-yr Security Freeze on my credit reports. 

I sent all the requested information to XXXX and Experion. 

I sent more information to XXXX XX/XX/XXXX : Copies of personal information, Social Security card and current address on a recent utility bill.

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