Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX has attempted to fraud my XXXX XXXX  account again. They have sent me a new card. This new card has no account information as to where the credit account came from and where or what company it is with. I have not called them and have reported this fraudulent information hereto the CFPB because of the past issues i have had in the past two  years attempting to clear up this false and fraudulent information. 
DECLARATION - i XXXX XXXX XXXX of sound mind body and soul a minister can testify and swear that the above Credit Card mention herein this complaint below is fraudulently created. I received a notice and or later in the Mail USPS presorted first class mail paid from XXXX XXXXXXXX on XX/XX/XXXX. I did not create an account with XXXX XXXX  concerning a card or a new account. This is identity theft. There are approximately over [ 200 ] Two Hundred XXXX XXXX listed within the XXXX XXXX XXXX listings and this information is not mine. In fact the name alone says it, XXXX XXXX a member since XX/XX/XXXX? My name is XXXX XXXX XXXX and no records of a credit card history you've provided states this as accuracy and validation. I XXXX XXXX XXXX am not a member of XXXX XXXX nor have i every been a member and have not given consent to become a member. I do not have records of such membership nor contracts or applications of a membership with XXXX XXXX. I do not give consent for any loans. 
The Three  credit agencies sent me a letter or notice stating within that letter this statement Thank you for contacting the Credit Agency [ Name of agency ] indicating fraudulent items on your credit report. We are here to assist you. We are unable to locate a credit file in our database with the identification information [ drivers license, name address, phone number and history of addresses ] you provided, In order to further assist you, we will need additional documents to verify your identification. Please provide your complete name etc, .. The CA drivers license has my complete name a photo and address thereon the card. I also sent you credit agencies a copy of the full application with the Department of Motor Vehicles as i will herein the CFPB data base. What happened to that information? 
Questions for The credit Bureaus and XXXX XXXX Verification and Validation ; Q - 1. ] How is it possible that you listed XXXX XXXX  as 30-60 days late on my credit report but can't locate a file? According to the Fair Credit Reporting Act this must be deleted ASAP! 
Q - 2. ] I XXXX XXXX XXXX received letters claiming that the credit bureaus can not find a file with my information and drivers license after i have contacted you via telephone and identified myself through your process? According to the FCRA you must delete XXXX XXXX filed disputed due to mistakenly having the wrong information incorrect information and such the like. According to the FCRA 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ]. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. In short what you are asking me to provide opens me up for damages and i can not give you that private information. Such as Pay Stubs Gas Electric bill water bill cable bill residential telephone number? According to the FCRA Definition within said act you are in violations of my right to privacy for requesting information to resolve an identity theft created by XXXX XXXX credit card as of XX/XX/XXXX. 
Q - 3. ] XXXX XXXX claims and alleges to have loaned XXXX XXXX XXXX money or XXXX XXXX money located at XXXX XXXX XXXX? How was the funds transferred and where did the funds come from? 
Q - 4. ] Did the funds come from XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX account ending in XXXX? 
On XX/XX/XXXX i XXXX XXXX XXXX mailed you a 200 plus page complaint for identity theft in full detail, and newly created credit reporting information along with copies of the letters from XXXX XXXX  credit card services. You [ Credit agencies ] placed upon their request added me 30-60 days late for payments. This came after i provided proof of payment [ US Currency ], payment type [ Tender Of Payment ] and my personal and private information. According to the FCRA ( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer ; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. Based upon the [ FOIA ] i am demanding a copy of this information to see why you do not have a current record and or information concerning a file! 
Q - 5. ] What happened to the file and the investigations? 
Q - 6. ] Are you attempting to set me up to be tracked and hunted down? 
Q - 7. ] Are you making banks aware of my location of living and employment for harassing purposes? 
Q - 8. ] I advise that you disclose all information within the next five business days concerning my accounts my right to privacy, The Freedom Of Information Act and FCRA allows me to use law to force disclosure of all information recorded concerning me and about me my right to privacy and such the like. Something is clearly wrong when i have gotten multiple reports of credit banking and mortgages but no one can find my account, rather my credit rating is taking hits and reaching below 700 points, without legal or due process and by my knowledge of whats being reported by who and why? 
You have requested the same information that i have forwarded to you on three occasions but state in your letter [ s ] that you cant find a file on me and my name social security number address phone number. All this information was presented to you by me. The alleged banks involvedXXXX  XXXX  have also claimed to reported my private information but your agency claims to not be able to find records. How is this possible?

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