Consumer complaint received 2019-12-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am making this complaint public since it appears countless consumers are have FALSE FRAUD ALERTS placed on their credit profiles by EXPERIAN. Please file complaints with the CFPB, FTC, your State Attorney General and even sue if you have to. Experian is falsely placing fake fraud alerts on consumer credit reports in what appears to be an attempt to obtain documented identifying information from consumers, the question is WHY? Why do they want consumers ' personal identifying information on file, and why are they placing fake fraud alerts on consumer credit profiles to get it? If the fraud alerts aren't fake, then Experian would have evidence of your request for the fraud alert, in my case they don't because I never made any such request. Not only that, had I made the request, why wouldn't they ask for personal identifying documents to place it, just as they are to remove it. I'll tell you why, they place fraud alerts without consumer personal identifying documents or consent in their attempt to swindle and bribe consumers out of their personal identifying information to remove the fraud alert, this is criminal behavior and it needs to be reported by every consumer who has not requested a fraud alert on their credit profiles. Even after explaining to Experian that I did not place a fraud alert because I do not trust credit bureau 's with my personal identifying information after they've proven they can be breached, and that I was not submitting my personal identifying information to get the FAKE FRAUD ALERT taken off, here was Experian 's response ( please keep in mind that I already explained that I WAS NOT providing them with my personal identifying information in my initial correspondence ) : " Thank you for submitting your complaint on XX/XX/2019, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that you would like to have the fraud alert removed from your credit report. In order to remove a fraud alert from your Experian credit report, we need the request in writing along with the information listed below. Send the requested information to Experian, XXXX. XXXX XXXX, XXXX, TX, XXXX. One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement, etc. Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. If you wish to remove a fraud alert from your XXXX or XXXX XXXX credit reports, you will need to contact them directly. Please note that we also mailed this explanation directly to you on XX/XX/2019, and XX/XX/2019. For additional information related to fraud, please visit our website at : https : //www.experian.com/fraud/center.html or you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. ''

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