Consumer complaint received 2020-03-04
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:
By following the steps from the FTC identity theft program I sent letters to all three credit reporting agencies on XX/XX/2020. The package included a cover letter, using the template provided by the FTC program including the amounts of each fraudulent account, totaling over {$2500.00}. The packet also included my FTC Identity theft report, police reports, copy of the FCRA 605 ( B ), copies of the credit report of the agency the packet was sent to along with dates of the accounts opened fraudulently, amounts of the fraudulent debts, additional documentation such as copies of forged checks directly from the bank, ( to further illustrate the fraudulent use of my stolen identity and information. The credit reporting agencies confirmed they received the information, however the written notification of my request to have the information blocked and removed was denied and the reasons were word for word the same for all 3 credit reporting agencies ... '' your request to block was made in error, or your request to block information was based on a material misrepresentation, or your knowingly obtained or should have known that you obtained possession of goods, services or monies as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block the information ... .. '' I have also now completed all the steps outlined in the FTC program and the first investigation result letters arrived from the CRA 's. I am dumbfounded that they all used the same worded statement, but the statement infers that my entire claim is, well a lie. Again, my correspondence included police reports, identity theft reports from the Federal Trade Commission, police witness statements, reports and copies of forged checks. These identity theft fraudulent accounts have severely damaged my credit and I am on XXXX as a direct result of the original robbery whereby my identity and all my information was stolen. The entire process has been incredibly cumbersome but I followed all the instructions from the FTC step by step program, provided more than sufficient evidence of the case and to be accussed of basically of being a liar, or politely " made in error '' or " material misrepresentation '' I INCLUDED THE POLICE REPORT, there is no misrepresentation, or " knowingly obtained or should have known you obtained goods, services or monies ''. I dont know where else to turn to, this complaint is the next step on the list of FTC program. If the fraudulent accounts that were opened and have severaly damaged my credit worthiness can not be removed after including police reports, Federal Trade Commission report, an over abundance of evidence, if this isn't enough evidence then no one could possibly provide enough evidence. I have requested documents from all lenders/debt collectors to validate/prove the account ( s ) are mine, I have received no documentation of any kind from any of the lenders/debt collections, this only reinforces my case. I have no idea what else I could provide. So that is my complaint. Hopefully, something can be done.

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