Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX of 2021, through an employment screening, I was informed about a multitude of accounts under my name that were direct results of identity theft. The usage of my personal information had been used for nearly 10 years in addition to arrests, tax filings and government benefits. At the advise of legal counsel, I immediately took the proper steps and notified each agency involved including the credit reporting agencies ( XXXX, XXXX, Experian ). This information was sent and tracked via certified mail. XXXX XXXX XXXX conducted thorough investigations and reported that they did not receive information from the creditors to validate these accounts opened fraudulently. My issue at this point is with Experian because they are ignoring the evidence and information and continuing to report these fraud accounts alleging that they were confirmed as accurate when that is entirely impossible. I went into hiding due to a XXXX  XXXX situation and at no point did I utilize credit or financing due to public record and the risk it placed on my safety. My identity was assumed by a relative and I'm definitely pursuing criminal charges but this does not make it okay to continue to pursue the debt from me to make a profit. These companies ignoring my requests are doing just that and doing whatever they can get by with for a profit. The facts are they have never conducted business with me the rightful owner of my personal information and government documents. They are not able to provide copies of my identifying documents or contracts because they have never received any legitimate documents from me but instead conducted business with the thief and whatever tactics used. Experian has claimed that the Fair Credit Reporting Act doesn't apply to me and this definitely needs to be addressed. I did everything the government put in place to address this massive theft and it was completely ignored. They were provided with a copy of my drivers license but strangely continue to ask for it again and again as if this is why they wont follow my legal request to remove and block these fraudulent accounts. It's clear that the other credit reporting agencies did not receive sufficient information to validate these accounts so I'm asking " WHY WOULD THE CREDITORS ONLY PROVIDE EXPERIAN WITH PROOF AND NOT THE OTHER 2 AGENCIES ''? Of course I have my own assumptions but this needs to be answered honestly. The objective in a business is to make a profit by any means so why not go all the way? I am an extremely intelligent individual and it's no secret that Experian is labeled as the tougher agency in comparison and this attracts others into choosing to spend money with them when checking for credit worthiness! I would appreciate it if someone looked into this and reviewed this unfortunate situation. Please don't attempt to grow your business at my expense because I did not sign up for it. I see that Experian offers a package to assist identity theft victims with more extreme assistance but for a fee and I don't think that this is a fair situation as a victim cause I didn't ask for this trauma and inconvenience.

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