Consumer complaint received 2017-12-02
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX Experian either has decided to IGNORE the proper requirements set forth in the XXXX settlement with the New York Attorney General ( NYAG ) or are simply furnishing a lie so blatant that the level of narcissism exceeds anything I have ever experienced. I am going to provide the exact documents I sent by certified mail to Experian and attach a copy of their response. When you place them side by side you will see the level of Experians defiance mirrors that of some of the worlds worst dictators. 

So why does Experian create policies which deliberately disobey the law? 
The only conclusion to reasonably consider would be that Experian truly believes they will not be held accountable for ignoring the settlement arrangements set forth by the XXXX NYAG or the punishments are NEVER severe enough to deter them. 

Experian is highly aware of all the requirements, they have a legal department whereas its primary purpose is to meticulously review policies and to find ways to manipulate Federal or State laws ( I can prove this once my lawsuit is filed, through the discovery process ) Therefore, the violations Experian has committed against me and likely millions of other Americans are willful and in defiance of the United States of Americas legal system. 

Following are a few of the requirements set forth by congress and the XXXX NYAG settlement : Improving Notifications to Consumers on Reinvestigation Results ii.The Results of the consumers dispute, including, if applicable, the SPECIFIC MODIFICATION or deletion of information that was made to the consumers file following the reinvestigation : Review of Supporting Dispute Documentations Submitted by Consumers .... each CRA shall utilize a process designed to assure that during a CRAs reinvestigation of a dispute of any item of information contained in a consumers file, if a consumer submits Supporting Dispute Documentation and the CRA does not otherwise modify the information in the manner requested by the consumer, the Supporting Dispute Documentation shall be reviewed by an agent of the CRA with the discretion to make a determination whether to make the change requested by the consumer on the basis of the Supporting Dispute Documentation. 

Experian has continually denied and ignored my request to block accounts I have clearly identified as a result of Identity theft. I provided the full account numbers and required information to easily identify these accounts. It is mandatory upon written request by the consumer for Experian to forward any and all information obtained through the investigation process Experian used to deny my claim. Let me restate that : It is MANDATORY. Therefore, I am requesting the following information. 

Material Proof Experian contacted XXXX, saying you contacted XXXX is NOT proof. If it was done through the e-OSCAR system I want a dated unredacted copy of the correspondence, if this is not provided timely Experian is in willful violation of the law I am requesting the identical information for the following tradelines, which I properly reported as a result of Identity Theft. 
Material proof Experian contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, I am requesting the unredacted response from the following financial institutions : XXXX 2. XXXX 3. XXXX 4.  XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX Additionally, I am requesting specific proof Experian has created a WORKING GROUP as required by the XXXX settlement agreement with the NYAG I am requesting the name of the Working Group assigned to my disputes the name of the Experian representative ( s ) in that Working Group The Working Groups SPECIFIC Determination of each document I provided Any other Relevant information the Working Group used to assist in their determination Experian has created a interface profile for me, I am requesting all the information in my interface profile or any other profile Experian created and/or gathered as a result of this dispute or any other dispute I have requested in XXXX, XXXX and XXXX. 

Finally and most importantly : *Experian DID NOT follow 605B of the FCRA . Once a consumer files a claim of Identity Theft and request tradelines to be BLOCKED and that consumer provides all the proper documents as required by the FTC, Experian MUST BLOCK those tradeline within ( 4 )  business days. 

as I read 605B there are only 3 reasons a CRA can refuse to block tradelines properly requested. 

1. If the request is made in error. ( It 's not ). 
2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 
3. If they had knowledge the consumer received goods or services with the transaction ( again, how could a CRA have any knowledge to this one way or the other ). 

Experian NEVER claimed my request was : Made in error That the facts I provided were materially misstated. 
That Experian had knowledge I received any goods or services as a result of any transactions. 
*As a result, Experian MUST block the tradelines requested *Since Experian did not respond timely as required my request to block tradelines must be honored regardless. 

The CRA, thereupon, is required to block the publication of this information within four business days and to give notice of the block to the data furnisher,71 and the data furnisher is required to maintain procedures to prevent the further publication of that information to other CRAs In Summary, I filed a proper claim of identity theft, which includes providing 1 ) An Identity Theft report through the FTC 2 ) Proof of my Identity ( Affidavit of Identity ) 3 ) A signed and proper request to Block tradelines using the template from the FTC . 4 ) Recent copy of my checking account statement 5 ) my date of Birth 6 ) my address 7 ) my telephone number 8 ) my social security  number ( this is obvious since Experian did send me a copy of my credit report 45 days later, confirming Experian was able to identity me. 9 ) Copy of Sec. 605B of the FCRA. 
10 ) I even provided my own written Identity theft letter that expanded the information requirements to ascertain I was as clear as humanly possible. 

NOTE : I am not expecting Experian to block the remaining tradelines which they have previously refused to do in order to comply with the law. Therefore a lawsuit will be filed very soon. However, I will continue to file my complaints and use this platform as a way to publicly document the facts as they occur for use in my imminent civil complaint.

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