Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: VA
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:
What is the point of having laws if they do not have to be followed and what is the point of a consumer protection bureau if they do not enforce the laws they set? I filed complaints against the credit bureaus with cfpb. Because I was a victim of identity theft and did everything it tells you to do I am thurough. By law if provided with correct forms of identification drivers license and social security card along with ftc report with all corect information acount numbers etc. They are supposed to block those items from consumers reports within 4 days of recieving the information. But instead they file it as a dispute just a normal old dispute not as identity theft. And this practice is done purposely after witnessing the absolutely rediculouse beyond belief ordeal I had to go through for months because of items that were not mine. They refused to do their job correctly and tied them up for 30 days each time telling me there was nothing they could do untill after 30 days. They then to cover themselves sent me a mail piece stating I didn't send them proper identification therfore it was filed as dispute. I most certainly sent required identification as it states. Drivers license and social security card. Along with the ftc report. And I have copies of what I sent them each time I talked to countless representatives and supervisors hours on hours to he hung up transfered to the same departments over and over each claiming. The other is who I needed to speak with. I developed cushings going through that ordeal because of what was on my credit reports I could get credit no where of any kind or any amount. I could not qualify for a mortgage and I could not qualify for rentals through rental company. Making my XXXX children and I amd XXXX dogs homeless. Because of a company 's refusal to follow laws. And when I filed a complaint with cfpb yal claim to be for our rights yet all you did was reach out to them and await response which only made it take longer and in no way protected a consumer not XXXX bit. And I fully intend on sueing consumer finance protection bureau along with each credit bureau and I have more then enough proof to successfully do so. The system is a joke. You don't even follow your own laws so why would any company. You don't enforce anything unless it's a large lump sum of money I see. You allow credit bureaus to ruin people 's life and you don't do anything to enforce a XXXX thing. I have taken several months to recoup and figure things out and finaly get us into a home and now I will put all my efforts into holding the credit bureaus and the so called Consumer protection acountable for their lack of and allowing my kids to go without when I did the work of XXXX people I'm relentless and thurough to be dismissed and for your bureau to do nothing about a company not following a law you created. Unacceptable I did everything correctly multiple times I still have items on my credit report that aren't mine. I still can't qualify for any credit of any type anywhere. But you should be held acountable because you basicly do nothing but ask them questions and wait for answers that could be anything. And if I don't counter it you close the file. Sorry I was busy trying to avoid homelessness. You were supposed to do somthing for a change

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