Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: FL
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:
Experian and XXXX both are reporting Fraudulent Accounts under my name after I had my Identity stolen. I have repeatedly sent Experian and XXXX my Police Report and FTC Report of these thefts. These thefts were with someone using a different address that I have never lived at and a totally different phone number. All these accounts were applied online for Credit Cards, Cars, and even bank accounts and cell companies I have never once used. I started with XXXX  first to correct these problems because where I live most people use them. All of the erroneous identity fraud accounts were taken off XXXX after about 4 months. But these Creditors that were taken as a result of my identity thefts, now armed with my actual address and phone number from my correcting XXXX outright lied and told Experian and XXXX when I went to dispute these and have them taken off, that the now correct address and phone number for me was not the information they got from XXXX when I disputed it with them. But these lenders lied and said that these were the addresses they always had on file for me when I applied for the credit and it was issued using my current address and phone number. So you ask me why would they do this? Its because they knew how good my credit was and someone like me would just pay them regardless if they were mine or not. I have repeatedly asked Experian and XXXX  to prove to me these are my accounts by sending me what they have as proof which they decline to do. I also started recording these phone calls because Experian and XXXX Representatives started outright lying. Now they will not talk to me at all if I record these phone calls as they do with me. That is illegal within itself. I say if you stop recording I will as well, but if you do record this conversation I will as well. Once I say this they always hang up, which proves they do not want anyone hearing what they tell the person they are illegally reporting their information for other Potential Creditors to see later. I am on the verge of filing Criminal and Ciivl Charges against both Credit Reporting agencies, as they are working with these lenders that got taken by stealing my information. I spoke to 2 different people that are working for both Experian and XXXX  that both of them told me that their respective companies work with these lenders that lost money due to fraud to try and extort the real person to pay them as this has become a real problem in todays society. So Experian and XXXX intentionally declines to remove bad items in an attempt to help the lenders recover their loses from the person that had their identity stolen, which is outright against the Truth and Lending Acts of Reporting, making this illegal! Help me to correct these problems or tell both Experian and XXXX with the internal information I have on both companies that prove they work in conjunction with these lenders to extort money from the actual people that have already been criminally invaded by someone stealing their information, for illicit gaines. This is more of a Mob type move than that of companies that reportedly are accurately reporting information for the actual consumer.

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