Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A year ago around XX/XX/XXXX I received an alert from my XXXX premium identity monitoring service that my Ss and an old email address had been breached on the darkweb? Immediately I demanded reports not only from my information breached that I trusted them to monitor but also full summary reports to learn every area they are monitoring and what exactly are they protecting on my XXXX XXXX and XXXX XXXX devices due to also seeing an outrageous amount of url redirects that try to load so fast in the background! I sometimes get locked up or end up on blank pages not the known high profile site such as " XXXX '' that I typed into my XXXX browser! XXXX didnt appear to be operating thorough especially failing to block ads and popups etc! I was unable to find a support tech with XXXX they had no way to retrieve ALL of my history, access, activity etc and I pay for the premium identity monitoring service! XXXX support techs referred me to the identity monitoring team and they are an outside company not affiliated or subsidiary with only partnering with! I find serious negligence if that is how a security app charging a premium service to monitor protect and revoke suspicious access or activity unable to compile and produce their findings and fail to secure as promised! I am not certain my data breach was from the same time frame as when I gave XXXX or experian credit works monitoring permission to alert me for this type of data and privacy concern because XXXX almost immediate enlisting their services alerted me and Experian did not or didnt flag my report or send me a report! The agent I spoke with from the beginning at XXXX identity monitoring was as limited on account summary details and refused to comply with my request for details saying she just doesnt have the ability to send me my own history of their monitoring my identity! I have since seen unauthorized questionable activity in lXXXX analytics XXXX says they dont do much to protect XXXX devices and XXXX devices dont need security? Wow My XXXX devices have a life of their own and I am blocked out of most areas of it! I pay for XXXX identity monitoring and plan to supeona their records my investigation of this invasion of privacy is completely stagnant and I am being denied my right of fair reporting! XXXX identity monitoring still alerts that my information is breached with no detailed history or factual report and failure to block breach access if they keep reporting new alerts! they are monitoring my identity I have a right to learn the true details etc I told XXXX  identity agent that I need to know what this alert of my info breached means? I told her I want a full detailed report so I can report to authorities! She kept saying " darkweb '' as the XXXX alert states then came back informing me my info was breached on the public records sites? What sites? XXXX  identity agent was clueless so I had to do my own research and know this one very vital part of what was breached and the fact public records now has me on fraud alert investigation to find out WHO is doing this because I make sure there are no inaccurate reports combined with mine! I worked in credit for years and Privacy opting out is the safest way to assure info isnt accessible to criminals! Not only was my information on most all public records sites also misspellings of my name and addresses where I have never lived with same variating information which seemed to appear overnight on these sites as if criminals are applying for credit! I spoke with XXXX  identity monitoring again demanding their detailed breach report for my right to truth in disclosure of the service they are providing she said I would not be able to get that or have to subpoena it which is on my agenda! She did help me place a fraud alert on one of the bureaus that needed third party verification! My problem is far from resolved in fact Experian has failed to comply with a validity of debt letter and request of removal or proof of debt by allowing 30 days to pass without proving valid in reference a credit account I don't recognize! If I owe the debt I have no problem in repaying the debt just as I am another account I disputed unrecognizable report of default and it was a collection account for revolving retail that I do owe! I have a repayment plan in place currently! I have no problem with the law firm that is litigating this unknown debt against me because they actually complied and are continuing to do so by proving the account is a creditor I owe and if so I will pay in full! There is alot of suspicion around this account and on my credit bureau reports with misspelling of my name, inaccurate poe and three of my former addresses one which I stayed for 6 months at a DV shelter and never received a letter giving permission to ANYone to disclose that confidential information nor did I ever allow the credit bureaus to report that as my address at all especially flagging that address as crisis intervention? Now they are in violation of my right to privacy at a XXXX shelter! Flagging the XXXX shelter address as risk due to not being a residence instead a business? That XXXX shelter is obviously NOT a fair report due along with my current address and my parents family home is unlawful and after disputing in writing also requesting determining factor and how are they allowing such negative statements that carry a risk factor without providing exact documentation of this risk report or citing an immediate investigation after my dispute carries the power of unfair prejudice and bias when the other residences former and present of these addresses reports fail to also flag as risk! I learned throughout this past year of sending disputes in certified to the credit bureau for inquiries does initiate a dispute at all in fact Experian -XX/XX/XXXX report shows more unrecognized inquires since I placed a fraud alert! I have never been offered credit or an invite for an over the normal accumulation of inquiries populating to a serious fraud alert concern! If a collection agency inquires about a debt they are third party now and have the right to under the fdcpa laws and I always see an account generated or a close liasion ie attorney inquiry, those are not the hard inquiries I have a HUGE problem with especially since a breach alert I expect The credit bureaus to investigate and bring knowledge of their reporting system to the front lines and offer me fairness under the credit reporting act and consumer protection etc! I have given them a year and not much has been resolved! An agent today went through my credit bureau addresses phone numbers and poe which wrong inaccurate old information not even relating to my personal life or credit life present she removed! There are so many mispellings of my name I want to know who is applying or inquiring to my credit withiut my permission unable to spell my name, reporting wrong poe, unfamiliar phone numbers and every address I may have actually lived and some just visited friends homes never lived at all! If there is a semi familiar former address its reported redundant and completely inaccurate raising suspicion that someone is trying to apply and open credit in my name and so far the inquiries the credit reporting agencies refuse to move I am demanding the application or letter giving them permission to inquire and they never offered me services or have any reason to inquire on my credit, The credit bureaus offer no help in validity of debt in this area nor will they remove the hard inquiry until I express in writing and creditors approves! Two if not three inquiries violate my credit freeze and fraud alert on Experian! It is against the law to report any information negative without alerting me! The experian credit works program in fairness to them did not have my email address however countless phone calls and after my dispute I would think that department which prevents inquiries and unfair reporting would realize after au demanded to why I see Experian credit viewing my report at all wow I forgot I even signed up for this service I have never received one alert, The hard inquiries that I NEED proof of consent to inquire are all companies I do not recognize nor have done business with and they are first party so I know there is an application or some person initiating solicitation of my credit! If the credit bureaus do not comply with my right to prove valid I will have no choice but to seek legal counsel! I have many more issues with reporting that is unlawful redundant inaccurate and no one is governing such outdated, inconsistent, inaccurate, unlawful accumulation of a not even considered unfair untrue or flagged for dispute as I excersized my rights under the law! When details are imput there is a timeline and application or document reflecting the information as recent and current! I have watched my credit report evolve from times of poverty and defaulted debt to finally resuming A list worthy chance to keep my credit in good standing Every seven years negative reports fall off etc not ever in the history of the credit bureau have they gone backwards in resubmitting information that legally passed the seven year statute mark Now that I see some of this reporting I want all of the positive ratings also from the past decades! They report anything obviously just mere wrong such as spelling of my name is a violation of my right to fair and accurate information!

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