Consumer complaint received 2022-07-14
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:
XX/XX/XXXX Response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE TO CREDIT MISREPRESENTATION COMPLAINT ID XXXX. SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on my report My complaint asked the credit agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX address claiming to have my Social Security number, and 2 ) that no verification of credit history could be done unless I was able to identify the address of the XXXX XXXX claimant as being my recent address. It was never my address. 

In response to my complaint, XXXX sent me access to a questionnaire to fill out with detailed information about my credit history, and my personal information, including Social Security information. 

When I first learned of the credit companies misrepresenting my credit history in XXXX, I was asked to fill out such a questionnaire. At that time, I did give the credit companies access to all my personal information. I provided proof that my Social Security number belongs to me, but none of the credit agencies changed their misrepresentation in my credit report. XXXX claimed that the change could not be made because the information was a part of my credit history. It certainly was NOT a part of my credit history. My Social Security number has never belonged to anyone but me. The credit agencies would not change their fraudulent verification data in their computer system. The large number of credit agency information breaches justifies the Social Security Agency refusal to provide consumer data ( SSNs ) to credit agencies. 

The questionnaire was a distraction. If I trust them again with all my private information, they do nothing to repair their fraudulent credit report. This was proven in XXXX. 

CRAs do not collect information from consumers, but rather collect it from businesses, including credit card companies, banks, employers, landlords, and others. When an individual applies for credit, the lender will pull their credit report from XXXX or one of the other CRAs to see if they have a history of repaying their debts. 

When consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. 

Since XXXX, I found other irregularities. I was unable to open credit union accounts or get credit. For example, XXXX would have allowed me to put money into an account, but not to take money out ). My current landlord forces me to XXXX for a rent voucher to take with CASH to a distant cash-transfer location XXXX XXXX XXXX XXXX XXXX XXXX. They refuse to accept a check from a debit account, or to take cash to the rental company office in person. XXXX XXXX recently ( XX/XX/XXXX ) refused to open a XXXX XXXX deposit account for me because XXXX failed to verify me, claiming a Social Security number conflict. To some companies, XXXX reported that I had zero credit. 
To avoid further fraudulent reporting, I cancelled all my credit cards. I never had a problem with my credit history before. I never wanted to deal with fraudulent credit card companies again. 

XXXX should have reported that I froze my credit reporting due to the companies misrepresenting my credit history. 

I do not accept XXXX response as constructive. They already know that my Social Security number is mine. They purposely set up their verification process to use fraudulent information. This is their policy. Many consumer complaints describe this process. Prosecute the credit agencies for propagating fraudulent information in pursuit of profit.

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